I posted this in R/Legal advice but what I mostly care about is getting this off of my credit and returning my credit score to its original point.
I live in Florida and just received a call from a collections agency on a car that we sold/gave to my cousin. I did not even know the car had been towed. Apparently they contacted me once (which my lovely mother i guess opened) and "we" sent them the bill of sale to show that the car wasnt ours. Then we never heard back from them until I got the call from collections.
Facts: 1. We gave the car to my cousin but got a bill of sale on Jan 1, 2016 2. My cousin does oil changes for a living but decided his car didnt need one and destroyed the engine on an unknown date. 2. The car gets towed for "abandonment" at his apartment on May 31, 2016 3. We find out he never transferred the title into his name 0/4. We go to the DMV and have my tag on that vehicle destroyed. We are unsure on which date this occurred but I can go to the DMV and find out.
- Another fact is on the bill of sale the VIN was written incorrectly. It had ZZ instead of 22 or the collection/towing company wrote it incorrectly. I am unsure if this matters on either end though.
What I am most concerned about is my credit. I have done some research which led me to this site http://ift.tt/2jybHR2 but I am unsure if it even matters since my cousin never transferred the title into his name. The bill of sale was done before any of this occurred though.
What should be my first steps? Is there anything I can even do? Do I have to pay the collections agency since it wasn't my car at the time or was it technically my car because the title was never transferred?
All I want is my credit to go back up because I am about to graduate and need to move to a house because of my dogs.
Submitted October 27, 2017 at 12:00PM by W3NTZ http://ift.tt/2hfjMac
