I co-signed for my step sister we had a verbal agreement that she would make all the payments on time she has now now held up her end of that agreement. I’ve been trying to get her to refinance for months she tells me her brother passed so she fell back or she had to pay her rent. Can I take her to court to force her to refinance i don’t know what my options are in only 23 at the time of signing I was 22 my credit score was 712 now it’s in he 500s
Sure; in America you can sue anybody for anything at any time, without a lawyer in small claims court. Winning the lawsuit is another matter; so is enforcing any judgment you may receive from the court.
IMPO, there is very little you can do at this stage in the process. The auto loan you co-signed with your step sister has obviously fallen into default; and the default must already have been reported to the several credit bureaus; and they have already lowered your FICO score "from 712 down to the 500s." Unfortunately, even if your step sister steps up and pays you all she owes you, and even if you pay off the defaulted loan and all the late charges, you will still have a low credit score for quite awhile because of the occurrence of the default itself. It takes lots of time to rebuild a credit score.
A sad situation, especially when it is a family member involved.
You have no right to force your step-sister to refinance the car loan. You can sue her for indemnification, which is to say, to get the court to award you the money that you paid to the creditor because she didn't, but a money judgment is not like child support or alimony, it is only an award, and then it is up to you to use legal means to collect it. So you, may be spending more money trying to get her money and not getting anything.
Your question asks whether you can get off the vehicle? Do you mean the loan or the title? If the title, then you might consider taking possession of the vehicle and selling the car to pay off as much of the loan as you can. If you are not on the title, then you have no right to take possession of the car.
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