About a year and a half ago my girlfriend (at the time) named Amber, and I purchased a 2005 dodge stratus from a car dealership. The car was purchased through an auto loan. On this loan I am the primary signer, and Amber is the co-signer.

6 months later give or take, Amber and I decided to go our separate ways, ie breakup. At this time we were both living in Connecticut. Amber wanted the car, and since I didn’t want two cars, we agreed that she would take the dodge stratus back to her hometown in New York. As part of this verbal agreement Amber was going to remove the loan from my name, and get the car registered and insured in New York.

Almost a year later now. Amber has not been able to remove my name from the auto loan, and the car still remains registered and insured under my name. Payments have been repeatably late (albeit still up to date). Although I was growing increasingly more and more frustrated about this situation, I was repeatedly made the promise that soon the car would be removed from my name.

The tipping point in this situation came two weeks ago. I received an email saying that the car’s insurance had been canceled due to non-payment. So now the car is in a lapse of insurance. I tried to renew the insurance only to find out that Amber has a suspended license and they couldn’t! To top off everything the very next day I found out that $400 dollars in back property taxes were due on the Dodge stratus and was forced to pay it in order to renew my own car registration.

Needless to say, I became very frustrated with this seemingly bad situation in which I was losing three things. My credit was being hurt, I was paying out of pocket for taxes that Amber would not pay, and also fines from the DMV for being in lapse of insurance, and also possibly hurting my own insurance rating for being in lapse of insurance thus making it possibly more difficult for my car to be insured.

I called Amber and said, “this is it, you have had more than enough time to remedy this situation you have a week to find another signer for the loan and get this car out from under me.”

Still nothing has happened, and the car is in her hometown, uninsured in my name and registered in connecticut. I have told her that I will come get the car and forget about the $600 hundred dollars out of pocket for taxes and fines that she has caused but she says that she refuses to give me the keys. If I make the 20 hour round trip to get the car I want to make damn sure that I will return with it.

Basically my question is how do i proceed to legally obtain the keys from Amber and take the car back to Connecticut where it seemingly belongs. Who do I need to contact to get help?! Also, am i being unreasonable or is this girl being ridiculous?!

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