I think they’ve agreed to that she gets the vehicle along with the negative equity as part of the split. Long story short, they weren’t in a great financial position to begin with, so they’ll each get their share of debt.
I agree that damaging her credit is probably the worst path to go, I’m just not sure how much that would be worth. Selling it and then hanging to take out a line of credit to finish paying off something she doesn’t own seems fairly terrible too. $0 down and 72-84 months terms should not be made available to the vast majority of the population.
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