Legal Question in Consumer Law in Georgia

Two months ago I got a $3,500 loan from a loan company against a car title (not title pawn). When I arrived at the loan office I realized that the title was in my name and my wife's name. My wife was not with me. I asked the loan rep if my wife needed to come and sign and asked if she could come back the next day as it was almost closing time. He told me that he would let me know if she needed to. I heard nothing else of the matter. Two weeks ago I paid off the loan which was about $3700 even after making one $212 payment. My wife was very angry about it.

Yesterday I received the car title in the mail and surprisingly now the title just has my name on it, which made my wife even madder. How were they able to do this if my wife did not sign anything? She did not sign a third party pledge (hypothecation agreement). She did not sign the MV1 form (we live in Georgia) although I signed my name, and she did not sign the title. Did these people forge her name? What remedy do I have if that is the case?


Asked on 9/22/12, 10:30 am

2 Answers from Attorneys
Scott Riddle Law Office of Scott B. Riddle, LLC

We can't possibly know what happened, or whether someone forged her name. You can sue and get discovery, or you can go to the motor vehicle/tag office at the Dept of Revenue and see if they will provide information from their records. You can also contact the GA Dept of Consumer Protection and maybe they will assist in getting the information. However, beyond reporting them if they did something wrong what damages do you have that need a remedy? You can transfer title much quicker than going through all the other steps if that is what you want.

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Answered on 9/22/12, 10:37 am
Glen Ashman Ashman Law Office also dba Glen Ashman Attorney

You can spend months or years of detective work (and legal fees) to track down who did a forgery or what happened Or you can just put her back on the title.

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Answered on 9/22/12, 11:51 am


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