Legal Question in Credit and Debt Law in Florida

My husband passed away and had a car which he bought with a personal loan from the bank. I am not on the loan. He never left a will not anything due to his cancer and thinking he was going to beat it,His disability was the only means of his income. I have been carrying the insurance on the car as I think it is required here in Fl.The bank has a lien on the title. I just want the car to go away. I cannot pay for it and can't. As far as I am concerned it is not mine. I have spoken to the Attorneys holding this for collection. Let them know I cannot pay nor settle on it. I made a settlement on a credit card which had both our expenses on it which is coincidentally the same collection agency.They do not want the car.What they want for the settlement is more than the car is worth. So if I sold it, I would still owe more. Bad loan. How they gave one to him with only disability is beyond me.

I have been told by many different people to write a letter to the bank and tell them to take the car. I should also drop the insurance and send them the bill. At first I thought this odd but this has come from a lot of people.

Any suggestions. The car is in his name as well.


Asked on 9/19/09, 8:34 am

1 Answer from Attorneys
Angelo Marino Angelo Marino Jr. PA

If you are not on the title to the car and not on the lien or loan, you are not responsible for the car and its debt. Tell the band to take the car and stop the insurance. Do not pay insurance on the car, but do not drive it. Park it on your property.

Finally, send a letter to the collection agency to stop bothering you. See sample letter at www.ConsumerLawyerHelp.com If the collection agency bothers you about the car after the letter, it has violated the law.

Good Luck

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Answered on 9/19/09, 10:52 am


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