It’s in her name. She can take it from you. I would stop paying on it and let her deal with it. My ex husband took my truck even though it was in he’s name but I couldn’t do anything about it.

Yes you can loose it it not in your name. Sorry.

Doesn't matter who has been making payments. That makes no difference whatsoever.

If the car is in her name, then it s her car. She can do whatever she wants with it. It s nice of you to make the payments, though. Unfortunately, it s the name on the title that matters, not who writes the checks.

It’s her car. She is the legal owner of the vehicle. You have zero legal rights to the vehicle. All you’re doing is borrowing her car and paying her bills. It’s still legally her car. She can do anything she wants to do with her car.

What you need to do is BUY THE CAR FROM HER. Make her a reasonable offer, agree on a price and go get yourself a loan, get her name off the loan/lease and put this car in your name.

If she doesn’t agree to sell the car to you then hand her the keys, tell her goodbye and never talk to her again. It’s her problem at this point. You can walk away untouched she gets a big increase in expenses and a car she probably doesn’t want plus a financial burden she probably can’t afford.

As you describe it you have no legal standing at all. My daughter and I have very much the same arrangement: I bought a car for her to use (she lives out of state); she maintains the car, pays for the insurance (which is a contorted arrangement). I make the payments and she repays me. It is my car, registered to me in my state. In case of an accident I will have to pay deductibles and hit her up for them. It is not an ideal arrangement.

If she "goes off the rails" I will certainly take the car back. She has use of it as a favor, just as you do. It is not my daughter's car and it is not your car.

If HER name is on all the paperwork, then it's HER CAR and she can do whatever SHE wants with it.

"The car is only under her name".

That says it all, you have been buying her a car. You best option before you get in trouble for unauthorized use of a vehicle is to go park the car in her driveway and leave her the keys. Suddenly she's going to need to come up with payments and insurance for a car she doesn't need.

Make it clear you won't make any more of her payments unless she contacts the finance company and tells them she wants you to assume the loan and she is willing to co-sign. It's really your only way out.

You ma’am are a dumbass

Of course she can, legally that’s her car.

Kind of you to make the payments for her, but it doesn’t change who owns it.