Co-signer rights?

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Could you help me with this situation? I had co-signed for an ex-lover to purchase a vehicle about three years ago. I haven鈥檛 heard from this person in over two years. I came home Wednesday night to find the vehicle sitting in my driveway, with the keys, and the registration in it. There wasn鈥檛 a note or a message or anything.

I called the finance company and they had told me that the payments where always made on time except for the last three months. I also found out that the registration was three months behind as well as a few tickets on it.

So, I made the payments to the finance company to catch it up. I am taking care of the registration and tickets. As well as added the vehicle to my insurance.

Now I want to protect myself if I am going to take on the financial responsibility of the vehicle.

I am unable to reach my ex and I think that he may have even left the country for a period of time.

The registration lists him or me as the owners of the vehicle. Which is apparently different then if it was listing as him/me.

DMV is telling me that this makes it possible to remove him from the registration of the vehicle with out his signature.

Now DMV will not remove him from the vehicle until he is removed from the loan from the finance company. The finance company is telling me that I need to refinance the vehicle and take on a new loan myself.

O.K. sounds easy enough. Right?

Well, I am trying to refinance the vehicle and nobody will take it until DMV removes him from the registration.

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Co-signer rights?

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