Legal Question in Civil Litigation in West Virginia

Re: Verbal contracts&Money loaned

If you hold clear title to the vehicle, the law will presume that you are the owner of the vehicle.(Holding title is not the same as being liable on the loan. The title is a certificate of ownership issued by the State. If you don't have title but merely are obligated on the note, you may not take the car.) With clear title, you may retrieve (repossess) the vehicle as long as you don't break other laws in doing so. I would advise taking it from a public place rather than entering her property.

You should hold on to the furniture and tell her that if she wants it she must sue you. She probably won't but if she does you can counter-claim for the outstanding debts and ask the court to award you the furniture as payment for the debts.

As for collecting money from her. I think you already know the answer. If you get the car and keep the furniture you should consider yourself lucky. You can't get blood from a stone and she sounds as if she is what lawyers call "judgment proof." The time and expense of attempting to collect a judgment are not worth the effort if she has no substantial assets and no attachable wages. You should only consider a claim for the money she owes you if she sues you first.