I financed a car in 2018 under my name and had my father cosign it because my husband was not allowed because he is undocumented. We recently got separated and I had to do voluntary repossession on the car because I dont even drive. My husband was the only one using that car. I received a $10,000 bill from the dealer for the deficit on the car. Is it my responsibility alone because its in my name and we're already separated (NOT LEGALLY) or does he share responsibility too because it was financed when we were married.
Reviewing the loan documents you signed would be required to meaningfully answer this.
My GUESS from the posted facts are that you and your father are liable, and that to the extent you're liable, your debt is community property, so the community is liable if the debt was incurred while you were still married and not separated. No idea what you mean by "not legally" separated.
See your own divorce lawyer for help.
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The fact that your husband was undocumented had nothing to do with you having your father co-sign. You did that because you were not creditworthy. You and your father are both on the hook. If you did the voluntary turn in while legally separated without permission of the court you may have also violated the court’s order.
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This a is a community debt. Husband is "liable" under CP law. Your father is "liable" under contract law.
This is general advice. You are anonymous. If you PM me i won’t know what it’s about.
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