Sorry you are having problems with the car. You should send the title to the creditor. They have the right to file a replevin action. You legally own the car. The creditor would only be a lienholder. You have the pay the loan because you signed the contract.
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Your primary concern should be working things out with the lender. The fact that you are having problems with the car will not matter to the lender, that has to be worked out with the dealership. Massachusetts has a lemon law for new cars and used cars so you may have a claim against the dealership under the lemon law. Also, if the dealership did not turn over the money it was supposed to give to the lender, you could have a claim against the dealership for that as well.Ask a similar question