Auto Loans and Financing

If your husband recently passed but you had voluntary repossession of his vehicle which was picked up this morning and the title and financing were in his name would you be responsible as his wife?


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2006-04-02 01:31:35
2006-04-02 01:31:35

You should consult an attorney for the correct answer, but, my experience would indicate that you would not be responsible if you did not sign on the contract at the time the auto was purchased. * If the married couple did not live in a community property state, the debt belongs solely to the deceased and becomes a part of the probate procedure the surviving spouse would not be responsible.


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This is one question that I had to get the answer to recently, and with the quickness! I learned that the laws governing the rules of repossession vary from state to state. You will need to look up the laws to find out your states terms and conditions. The lending bank's state of origin does not matter, it depends solely on the state the vehicle is registered in. Massachusetts requires

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What is a repo? Repossession occurs when a contract is in default and the lender takes possession of the secured collateral.IF your situation doesnt fit that description, call an attorney NOW. Roosta, yes I meant "repo" to mean repossession. The lender had my car for 3 days. I paid what I owed to get my car back and paid for 1 1/2 years. I still own the car. It has been paid in full for 2 years. But when I made the last payment in Dec of 2001, they list it as a repossession. But the so called repossession happened in Feb or 2000. Like I said they had my car for 3 days. I didn't realize they had it listed as a repossession until recently when I tried to get some credit for a new car. I have filed a dispute with each credit reporting agency, but I have to wonder if they will take if off.

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You are considered an adult and capable of signing a contract. Such debt will be your responsibility. That may be modified if your parents have health insurance on you.

The estate is responsible for the maintenance of the property. The administrator or executor of the estate can submit a claim on behalf of the estate.

The laws and regulations on this in Texas were recently 'overhauled' and substantially changed. For up to date, precise information, please contact :- -Texas Department of Community and Housing Affairs, Manufactured Housing Division. They have an excellent website at -

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I'm sorry to hear of your loss. His Estate would be responsible. For more details, follow the link to FAQ's on probate, etc.

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WHY not? Have you asked them? Were they demanding the balance in full?? Have you beeen repoed before? Have you beeen repeatedly in default? Are you STILL in default? Do you have ins. coverage as required by the contract? Contact the lender ASAP.

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