1. Contact the lender: Inform the lender about the situation and provide them with the details, such as the car's make, model, year, and license plate number.
2. Check the loan agreement: Review the terms and conditions of the loan agreement to understand your rights and responsibilities as a cosigner.
3. Request the car's title: Contact the Michigan Department of State (MDOS) to request a duplicate title for the car. Fill out the appropriate form, pay the required fee, and provide proof of your cosigner status.
4. File a civil lawsuit: If the owner refuses to cooperate or communicate, you may need to take legal action. File a civil lawsuit against the owner in a Michigan court to seek possession of the car and any unpaid loan amount.
5. Obtain a judgment: If the court rules in your favor, you will obtain a judgment that grants you possession of the car. This judgment can be enforced by the court.
6. Repossess the car: Once you have a judgment, you can request the assistance of a law enforcement officer to repossess the car. Contact the local sheriff's department or police department and provide them with a copy of the judgment.
It's important to note that the specific process and requirements may vary, so it's advisable to consult with an attorney who is knowledgeable about Michigan law to ensure that your rights are protected and the process is handled correctly.
