3 years ago my fathers car broke down and needed a new car, he invited me and my then boyfriend (now husband) to the dealership with him. He picks out a nice truck and next thing I know I was taking the title of the car because he didn’t have the credit. I said yes because he helped me with my first car. We made an agreement that he needs some time for his credit to build then he will change the titles. It’s been 3 years now, in between he has missed a car payment here and there, this year he missed 2 car payments in a row and it dropped my credit score tremendously. Don’t get me wrong, I’m guilty of missing a payment or 2 when I first moved out but I had to make the tough decision and sell the car and get something cheaper. MYSELF had to go to multiple dealers and did all the paperwork and my father would not take the day off to help me or sign the car away. My husband had to drive to him (30 mins) to sign paperwork. He was so inconsiderate that I needed his help to get rid of the car.

I exploded and told my mom he needs to pay it off and obtain the title or I will sell it. For months now she said she will refinance the car and take the car to help him. It’s upsetting me and I finally got off the phone with the finance company, they’re making it impossible to switch titles even if we refinance with another bank. I told my mom and now she’s upset for asking for her to take $12,000 loan for the car. I’m baffled because why we girls running around to figure this out when it’s his car. I told her if she can’t figure it out by this week then “tell your husband to put on his big pants and buy the car or sell it and he can get himself something else in his name”. Today, he has no car under his name nor credit report. He makes over $120k and my mom makes $80k, my husband and I only make $80k together with a toddler living in a tiny apartment while they live in a home they own. My rent costs more than their mortgage. My mom is telling me they’re struggling and I’m being unfair because when I needed help with a car they helped and now it’s my turn. Am I wrong to put my dad at jeopardy without a vehicle?