Switching ownership?

In 2004, my parked car was hit and totalled out. My insurance company was taking what seemed to be forever to pay off the car.

After the car was paid off, the financing was still showing up on my credit report, so when I went down to get a new car, my APR was high. They were saying that I still had another car on my credit. I got really frusterated, so my then boyfriend (current fiance) went down to the dealership and got a car for me in his name! (THANKS SWEETIE!!!!)

Last January, my fiance went and got himself a new car for himself, and his APR was kinda high because of my car.

So, my question is...how can I get the car out of his name and into my name...? Will the remaining balance stay the same? Will they add more on the finance charges...? The car is %26quot;upside down%26quot; meaning I owe more than the car is worth, so there is no trading it in!

What can I do?

Switching ownership?

You can take the title to the Secretary of State to get it switched over to your name. The remaining balance should stay the same as long as you don%26#039;t refinance... you will need to make sure you are a named insured on the insurance though once the car gets switched over to your name, since you will be the owner.