How to Get Your Ex-Wife Off of Your Car Note

Your car note, also known as a car loan, is a contract between you and the lender. If your ex-wife's name also appears on the car note, she is part of the contract as well. Your divorce agreement will detail who gets to keep each piece of property and who is responsible for paying the loan. When you have to pay the car note, you must take your ex-wife's name off the note so she is not legally liable to pay that debt anymore.

Instructions

1

Call your current lender, explain that you and your wife just divorced and ask whether the lender would be willing to remove your ex-wife's name from the car loan without a refinance. This is unlikely, but it never hurts to ask because it is the easiest solution. A lender might be more willing to comply if you have very good credit, a good payment history and are close to the end of your loan repayment.

2

Ask your lender for the payoff amount on the car loan, including a prepayment penalty if there is one.

3

Apply for a car loan refinance on your own with the lender who holds your current car note or a different lender. The amount of the refinance should be equal to the payoff amount on your current car loan.

4

Fill out all additional paperwork to complete the refinance, including giving the new lender information about where to send the money to pay off your previous car loan.