My ex quit paying on a vehicle that we bought together and it messing up my credit I'm on the title to the vehicle and I have a key is it legal for me to go take the vehicle without her permission and just start making the payments myself
It is unnecessary to cause duplicate emails to be sent to us. This is essentially the same question you asked earlier and we responded to.
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Yes, if you're on the title, then you own this car, and you can use your key to take it. Just remember that if you trespass on private property to get the car, that's a crime.
If the title says [her name] OR [your name] then either of you can sell the car without the co-owner's signature. But if it says [your name] AND [her name], then both signatures will be required to sell the car.
If you're also a co-borrower on the loan (which apparently is the car because the delinquencies are messing up your credit), then you should have already been sent notices of the delinquencies, and you don't need to possess the car to make the payments on the loan
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". . . I'm on the title to the vehicle and I have a key is it legal for me to go take the vehicle without her permission. . . "
Yes, if you do it "peaceably". And she can do the same later.
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Be smart don't do it alone. Bring the title or at the very least your insurance card with the VIN number on it. Bring a private detective. Preferably one that is retired from the local police department in case things go sour. Pay the extra bucks and sue her in small claims for that cost or eat it. It likely will save you thousands of dollars. Best wishes.
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