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My ex (we're still married, just separated, have been for 10 months) put a lien on a car that was in both our name, but the car title reads as Loganville not AND. I am the second on the car title. He is blocked from talking to me on all social networking sites and I have changed my number because he was harassing me. He recently told someone in my family that still speaks to him that he defaulted on the personal loan he took out, and that the place was going to repo the car if he didn't pay them. The thing is the car broke down and was towed so he doesn't know where it is. My question is, even though I signed nothing for the lien papers, and the title is an Loganville can they come to me for the money cuz I am on the title? I have absolutely nothing to do with the money he borrowed, he borrowed it after we split.
To get a Lien, he had to sign the title over to the lien company. Since the title was or, then he was able to sign it and get a lien on it. When a finance company or bank lends money and gets the title, they turn it in to DMV to have the lien recorded, and normally for your name to be on it now, you would have had to sign for the lien also. If you signed nothing, and the lien was obtained by him, you should not owe anything at all. You can check with a lawyer, but you should be okay. Anytime a Title is issued, both people have to sign to be placed on the title.
I'm guessing the car is still financed through an institution where he is behind on his personal loan. If this is the case, it's is called cross collateralization and the car can be repoed if HE falls behind on HIS personal loan. Unfortunately there isn't too much you can do, even if you inquired about his personal loan the bank couldn't tell you anything.
He had to have the title to do what you say he did but he absolutely COULD have done so because of the "OR". If it said "And" he couldn't have done it without you. Since you are still married, they COULD come after you for the money. Being separated or not just doesn't matter. Nor does the rest of the crap about harrasment.
. If you have nothing to do with the lien, the title should no longer have your name on it. You really need to talk to a Lawyer on this and on separating yourself from any more liabilities he might have incurred or will incur in the future.
Better get the real truth and see a lawyer. Because the title says OR, he could use the car as collateral on a loan.......