Ok long story short,my ex wife has filed bankruptcy......my car is stuck in it due to her being the secondary cosigner on the loan.......

I am not filing bankruptcy nor am I a part of the situation except the above statement.......

Toyota will not talk to me,they will not mail me my statements so I can pay,they locked me out of the online payment system,and only way I can pay is over phone through automated system which.....get this....charges me money to use........

I just want to pay my car payment on the Yaris and live my life.

I went to my bank and since the car is part of a bankruptcy,even though I am not,they will not give me a loan to pay it off.

I went to dealership and they cannot trade it in since it is part of bankruptcy.

I cannot even just buy a new car and say here take the thing as it is now flagged on my credit report as in bankruptcy.......and not gonna take the hit on interest rates because of it....

After 11 hours.....yes 11 hours of trying to get a live person to talk to me at Toyota financial.......they will send me the address and my account number by mail so I can pay it.........yes 11 hours........

My main question is how does a person get the cosigner off their car.....I just wnat her off so I can live my life......I am stuck on hers as well.......words of wisdom don't cosign for your spouse,it ain't worth it when it all goes wrong.

I spoke to an attorney today and short of paying my car off in full and saying go to he double hocky sticks I am stuck.......I dont have the money to pay it off,can't get a loan,can't refinance,can't trade it in,can't sell it even........

If anyone knows what the possible outcomes could be let me know via PM or post up here.

At this point toyota lost a loyal customer due to the way they are treating me,I am a customer who spent a lot of money,brought them other customers,and am not a part of the bankruptcy in any way,and they could of at least tell me where to send my payment to and my account number.....

I always paid online so I have no paper statements,no account number,no nothing.........

At this point I have to try to get in to the Federal couthouse without anypaperwork showing me as at least a creditor or party to collect,which is not gonna happen unless they were wrong over the phone.

I cannot afford an attourney.....I am flat broke and to be honest should not have to do so......I pay my bills........

I probably won't be around much for a while as I just am not in the mood to be around people,I cannot even feel safe putting my part in my car for fear it will be repo due to the fact it is in this situation......

So if anyone has been through this before let me know how it turns out.....if it goes too wrong I quit.......tired of trying.

Brian

 

Brian, when she files, she'll have the oportunity to re-affirm the vehicles. It's basically signing a new contract, which if you default on, they'll sue you to recover any losses. From what I understand now days, there is not really a co-signer, but both are considered co-buyers. I think the best thing to do, would be to personally talk to her attorney and tell him you want this re-affirmed. I believe her name would stay on it, but after you got that done, you could probably re-fi and take her off. When my wife filed, she was a co-signer on a loan with an ex, she had to sign something that allowed him to take full responsibility for the loan, which also removed her from it. Good luck dood!

 

damn... it never ends...sorry dude.

 

Well does it say brian and cindy on the lease or brian or cindy or just brian then next line cindy? Cause i know that will make a difference. I think if it is brian or cindy you should be able to just remove her and the third way too. If its brian and cindy your probably screwed. Sorry man. I hope it works out. But maybe she can fix this by not putting the car on the bankruptcy as you dont have to claim everything. I will ask my wife as she did this before we met and i believe she just didnt add it to the bankruptcy and then your good and can figure out getting her name off later.

 

hmm... with out the title i dunno.. if you had the title theres a spot to just sign it over to some1.. i had to do that recently. then i signed the wrong side and had to sign an affidavit saying this is what i really wanted to do....

that sux... cant believe as some1 on the paper work it took that long to get an acct # surprised some1 at a dealership couldnt look that up for you

 

Sorry to hear Brian, hope it works out for you.

 

sorry brian, wish i had more info when we talked on the phone.

 

Hey Brian,

So from what I read above, after talking to the Toyota finance guys, the only real way out is just paying the whole car off? I'm going to PM you.

 

Talked to attorney......as long as I can make payments,which is up to Toyota to get me my account #.......fingers crossed.

Noone can take my car and if they want me to pay for her tC they have to give me the car.......

So gotta take off a days work on the 2nd to goto Federal court and talk to Toyota and Trustee and see what can be done.

Not real happy but I have been through worse and I am still here......

Worse comes to worse I will just hand them the keys and go buy me a Used Lotus.....my credit score is good enough to finance that amount and I could afford the payments and I found a person who can actually loan me the money to get the loan if needed......wealthy friends are the best in a pinch......

thanks everyone for the help......I will keep everyone informed and I am at this point not too worried,stresed out beyond beleif but none the less whatever happens happens and nothing much can be done if it goes wrong...lol

 

Hope all goes well and you get to keep your car.

 

If it comes to it you know I can help you put that car back to stock in a matter of hours...just saying.

 

Thanks Guys......I'm sure all will be fine....just gotta goto court on the 2nd and ask Toyota and the Trustee to remove my car from the bankruptcy and give me my account number so I can make the payment......sad I got the money in the bank waiting to go to them and no account number to put on the check...lol.....