My boyfriend got a loan to take over my car loan to reduce my car payment. I am no longer on the loan or title. I am paying all payments on time and he is not contributing any money. The only stake he has in the car is its in his name now.
So you transferred the car to him - it appears that he is now the owner. That is a pretty big stake. It appears now you have no legal right to the car.
This response is only general information and is not legal advice. It does not form an attorney-client relationship and should not be relied upon to take or refrain from taking any action. You should seek a qualified attorney before taking any action related to your inquiry.
Your boyfriend is the owner and the party bearing ultimate financial responsibility for the vehicle. You have no rights in the vehicle. NC law requires the registered owner of the vehicle to maintain insurance on the vehicle, which is your boyfriend. At a minimum, you would need to pay him for the cost of insurance and the car payment. Generally, you would need some type of contract regarding the payments. The lienholder isn't going to allow you to take title to the vehicle absent you also becoming financially responsible for the vehicle. You should probably just quit paying for the vehicle and use that money to pay for another car.
This information is given for legal education only. It may not work for your specific situation. It is not legal advice, and I am not your lawyer. You have to find your own local lawyer to get legal advice and help with your problem.
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