I don't know what to do
I made a terrible mistake back in 2025 and got a car with my sister with me as a co-signer.The car being 15k and APR is 21 percent because her credit is horrible. In less than a year she betrayed me, got in an accident, and raised my insurance payments plus the vehicle is already having transmission issues and I don't have a warranty. My sister ended up moving out and ghosted me but came back and stole my license plate so I was not able to drive for a while and tried to get my car towed multiple times.
When The fallout with me and my sister was happening I was trying to see if I can have her removed from my car title through my lender which is Exeter finance since they bought the car from CarMax and they have my title. I called them a few months ago and they said it was possible It was just going to be a process so I gave them the reason why I needed her off the title and they said they will send me an email but never did. I tried to be patient for a few days but ended up calling them back but that time I got a different answer that said I couldn't do that and I have to go to the DMV.
I was so confused but decided to make an appointment at the DMV anyway That's when my sister came back and stole my license plate. I went to the police station to report it but since it's technically hers too it's not stealing so there was nothing I could do. The police station had ended up giving me some advice that it was possible to take her off through my lender (Exeter finance)
Since they have my title I just need to contact them and show them proof I've been making all the payments by myself and that it was my car. I went home the next day and called them up and this time I got a different answer saying I could do that. So I gave them my reason on why and she said she'll contact me later but never did.
At this time I kept calling my lender ( Exeter finance) over and over for the same reason and kept getting different answers and at this point it's been months of trying to get her off my title. The last time I ended up calling them was about a few weeks ago and I was getting frustrated and started being very firm with them. But the lady on the phone insisted that I had to go to the DMV to take her off my title and if I wanted to take anybody off my loan it had to be through refinancing which I cannot do since both of us have to consent and she has ghosted me. I finally went to the DMV a week ago only to get the same answer the police station told me. Since my lender ( Exeter finance) has bought the car from CarMax and I'm making payments to owe it they will have my title until I complete my payments. And that it's completely possible to change or take her off my title.
I'm just very confused on what I have to do now because I'm afraid if I call my lender( Exeter finance)it will be the same answer and they'll just keep giving me the runaround. The only reason why I think they don't want to take her off the title is because they have to go off my credit which is way better than hers and change the payments with the APR. I really need help right now cuz I want to sell the car instead of having it repossessed since the transmission is going out please help.