Today I got a call from one of my debtors saying that the they were going to repo a truck that is in my name because when I applied for a visa card that I have defaulted on the truck was used as collateral. The truck is still in my name, but when I went through a divorce it was awarded to my ex. He has been keeping up the payments, but now they are going to take it unless someone comes up with $254.
I told my ex that I would pay the $254 to buy him some time for me to file and work everything out, but he would have to pay me back(I was going to surrender it, he was going to take over the payments). At first he agreed, but then he texted me back a slew of profanity and basically said he would rather have the truck taken then to pay me back. He then went into what a f'k up I am, ruined his life, etc etc.
I am quite torn. A part of me wants to go ahead and pay the amount just to keep the semi-peace that we have between us (we have a son together, so we have to be on decent terms with each other). He does have a motorcycle and another truck, but the second vehicle is not reliable.
My boyfriend and mother, however, tell me not to pay a dime and to let the truck be taken. My bf said I was being reasonable and the ex reacted in a hostile manner. My mother says to not discuss anything with ex unless it has to do with my son.
I know if I pay it he will NOT pay me back. He has made that quite clear. But a part of me is still concerned that he has reliable transportation (mostly because of our son and heavy guilt that he lays on me). Should I pay the amount and let it go? Or should I take everyone's advice and let them take the truck?
I am officially filing on Friday, but the creditor said that will not be soon enough to hold off the repo (they need a case number, or something).
Your advice is appreciated.
I told my ex that I would pay the $254 to buy him some time for me to file and work everything out, but he would have to pay me back(I was going to surrender it, he was going to take over the payments). At first he agreed, but then he texted me back a slew of profanity and basically said he would rather have the truck taken then to pay me back. He then went into what a f'k up I am, ruined his life, etc etc.
I am quite torn. A part of me wants to go ahead and pay the amount just to keep the semi-peace that we have between us (we have a son together, so we have to be on decent terms with each other). He does have a motorcycle and another truck, but the second vehicle is not reliable.
My boyfriend and mother, however, tell me not to pay a dime and to let the truck be taken. My bf said I was being reasonable and the ex reacted in a hostile manner. My mother says to not discuss anything with ex unless it has to do with my son.
I know if I pay it he will NOT pay me back. He has made that quite clear. But a part of me is still concerned that he has reliable transportation (mostly because of our son and heavy guilt that he lays on me). Should I pay the amount and let it go? Or should I take everyone's advice and let them take the truck?
I am officially filing on Friday, but the creditor said that will not be soon enough to hold off the repo (they need a case number, or something).
Your advice is appreciated.
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