Girlfriend didn't co-sign for auto loan...

**BdAsBrd01** · 12-13-2009, 12:58 PM

Originally Posted by Musclefan21

by the way, our first year annv is on the 17th. i booked a hotel room in chicago downtown. i was gonna take her there, then nice dinner and then nice breakfast / lunch and back home. I am thinking to cancel all that now but not sure...

I think you should cancel and take some time off from her, so that you can figure out if you really want to be with her. That's a serious slap in your face. Enjoy your new ride without her.

**c5z28** · 12-13-2009, 01:02 PM

You don't cosign long term loans with anyone other than family. What the fuck are you going to do when shit goes south and it is in both your names?

**35th-ANV-SS** · 12-13-2009, 01:04 PM

Originally Posted by c5z28

You don't cosign long term loans with anyone other than family. What the fuck are you going to do when shit goes south and it is in both your names?

Ask this in about 2 weeks.

He will be stuck with paying the bill for HER car is what will happen. It not, his credit will be royally fawked. This is if she decides to be even a bigger bitch than what she already has.

**c5z28** · 12-13-2009, 01:10 PM

Originally Posted by 35th-ANV-SS

Ask this in about 2 weeks.

He will be stuck with paying the bill for HER car is what will happen. It not, his credit will be royally fawked. This is if she decides to be even a bigger bitch than what she already has.

I mean goddamn if I didn't learn this from personal experience and family I would of learned that lesson from the one post a month about a bitch (trying to fuck me over) on this sight.

**Shorgasm** · 12-13-2009, 01:13 PM

She is or is about to fuck someone else.....by "fuck" I mean about to literally fuck or is really thinking about being another person and leaving your ass.

Time to modify that loan you signed-on with her.

**Modulistic** · 12-13-2009, 01:16 PM

maybe she fucked her credit up and doesnt want you to find out when the bank runs her shit. either way, gtfo.

**rbob93** · 12-13-2009, 01:23 PM

Love & money are two different things.
You talk like because you did something "because you love her", she now owes you the same.
Get your head out of your ass, that's not love.
Maybe she see's something in you that you don't, & she feels better not putting her ass on the line financially.
I got a feeling she may be right.

**98Hardtop** · 12-13-2009, 01:23 PM

Yep, time to modify her loan.

**Sweet Chops** · 12-13-2009, 01:26 PM

All I have to ask is why do you need a co-signer @25? suck it up pay alittle more interest and then you don't need a co-signer. Then refinance your loan in a year year1/2

**Smkn_TA** · 12-13-2009, 01:31 PM

She is already cheating on you with another guy.

**BdAsBrd01** · 12-13-2009, 01:39 PM

Originally Posted by 35th-ANV-SS

Ask this in about 2 weeks.

He will be stuck with paying the bill for HER car is what will happen. It not, his credit will be royally fawked. This is if she decides to be even a bigger bitch than what she already has.

/\ This, most likely. He needs to modify the loan that he cosigned with her so she can't destroy his credit. She's also potentially fawked up her own credit and doesn't want him to know. Either way ass needs to meet curb.

**Musclefan21** · 12-13-2009, 01:51 PM

is it possible to refinance that loan? how can i get my name off of her loan as a co signer?

BadBlueBird* · 12-13-2009, 02:02 PM

Originally Posted by Musclefan21

is it possible to refinance that loan? how can i get my name off of her loan as a co signer?

yeah its possible, talk w/ the lender and see your options

**JonB** · 12-13-2009, 02:04 PM

Originally Posted by 98Hardtop

Bad idea to co-sign if you are just a b/f and g/f. If the OP and his g/f break up and she doesn't care about her credit, guess who is now making her car payment?

Not sure how the law is where the OP is but I know here in fl if you co-sign on the loan you are also listed on the registration of the vehicle which also means you must be on the insurance for the vehicle. So if she ever gets in an accident not only can she be sued but they can also come after you because you are a registered owner and on the insurance. Even though you may never even step foot in the car or ever drive it you can still be held liable if she ever gets in a accident. So first and foremost make sure she has good coverage on the car cause if she has the low end coverage then can then try to come after your insurance if the accident exceeds her limits. It pretty screwed up but it can happen like I said each state may be differnt but thats how it is here in fl and I know all this from experience my dad co-signed on my 01z28 back in 02 and what I descried above is pretty much what I have been dealing from my accident 3 years ago, guy never took what was offered my insurance he is now sueing both me and my dad. So basically never co-sign on a loan unless you are married PERIOD they way it is in fl I don't think I would even co-sign on my kids(if I ever have any) car either there getting a beater payed in full. If you ever break up I would fight her nail and tooth to get your name off that loan, make here get it in her name only no matter what.

**InEEdSPEED** · 12-13-2009, 02:20 PM

Originally Posted by 35th-ANV-SS

You're not stupid, but maybe a little naive. Not trying to be a dick at all...

It is NEVER a good idea to co-sign for anything when you are only dating someone.

Everyone "thinks" they are in love with a girl/guy when the relationship is new. Yes, 1 year is still new. The reality is though, you still don't know someone all that well only been dating for this amount of time. You've seen some true colors come out. It's up to you to decide on how you want to handle that moving forward. I know what I would do.

Good luck man.

Dude honestly, im tired of them after like 2-3 months.

But ya its simple.

Either - She doesnt love you enough to make a long term comitment (is that how u spell it? dont use that word very often so who knows)

OR

She doesnt have the credit to do it.

Either way.

**DrMilhouse** · 12-13-2009, 02:23 PM

uhm... if it was some girl asking one of our guys to co-sign, we'd be all over telling that guy not to do it. "don't do it, she'll fuck you over, etc".

IMHO I think that even 1 year together is not a good time to start signing loans/leases/mortgages and all that shit together. It's ONE FUCKING YEAR!!! You are BARELY getting to know the person still at that time - after 2 or 3 years, you still find things out about each other.

She did you a favor by not signing the loan because when you break up, this is gonna make it a bit easier on you.

Instead of being a whiney hiney about her not co-signing, you could have a grown up conversation about what she's concerned about. Who knows, she might have missed a payment or two on your shared loan and she doesn't want you to find out - and knows you will when her credit is down a bit. There's a whole lot of reasons why she might not want to. Not trusting you is probably not even in her top 30 reasons not to.

**35th-ANV-SS** · 12-13-2009, 02:29 PM

Originally Posted by InEEdSPEED

Dude honestly, im tired of them after like 2-3 months.

But ya its simple.

Either - She doesnt love you enough to make a long term comitment (is that how u spell it? dont use that word very often so who knows)

OR

She doesnt have the credit to do it.

Either way.

Guessing #1.

I personally don't think that if her credit was BAD, his payment would be going DOWN.

**gd1996** · 12-13-2009, 02:33 PM

My ex had her ex cosign a loan... they broke up obviously and she ended up getting the car repoed. So it screwed him over too and I still think she did it to get back at him even though we were together a year. But then he had the bank send the loan stuff to him, payment slips, etc... to mess with her. I'd never ever cosign for a gf. And you did, now she won't do it for you? Tell me thats not seriously f'd up. Your already screwed if you get rid of her unless you get your name off her loan or since can really get you back. And after a year or 6 months when you did it... thats stupid plain and simply!

**Smittro** · 12-13-2009, 02:37 PM

I will not co-sign for anyone not even family.. Not only because my family on my mothers side is all losers but because of the financial risk being to high. If for some reason they fall on hard times or they just stop paying YOU are the one the bank will come after.. That is basicly what a co-signer is. You've made yourself responsible if they don't pay for whatever reason. IMHO being a co-signer is in preparation for taking it up the ass with a 2x4.. The odds of you getting that loan modified are slim to none. The bank wants thier money and does'nt care how you get it.. If her credit score required a co-signer before I seriously doubt it has significantly improved to the point where she can now go it alone. In other words if no one would lend her the money before they prolly wont now either. You're prolly going to have to bite the bullet on this one, and I am suspect she may be getting ready to bail out on your relationship.. Or @ least having second thoughts about it..

Live and learn my friend, next time think about the future with shrewdness rather than with your heart or cawk.. Good Luck...