girlfriend moved from my apartment left title at my apt and i had possession of atv in my trailer. title is not signed at all. atv has been in my possession for 3-4 months
Having possession of the ATV and the debt owed are two separate things. Unless there is some kind of written agreement whereby you get to keep the ATV as collateral you are in a tricky spot. If you don't give it back they can file a police report against you for unauthorized control of a motor vehicle. That's a felony. Your best bet is to give it back and sue on the debt owed.
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