Can a finance company use someone elses car for collateral on a personal loan?

[nicki b]

My father took out a personal loan through a finance company last year in 2006. The finance company wanted a car for collateral and he used my car title even though the car title is in my name. He passed away in April of 2007, I can not afford to pay the finance company the payment amount they were charginghim on the loan on a monthly basis. They are threatining to take my car if I can not pay it even though the loan is in my father's name and the car title is in my name only. He did not leave a will and his house was under mortgage so there is no estate. Is there anything I can do to save MY car from repossession. I do understand that paying the bill for the loan each month is the way to do that but I recieve SSI and do not have as much income as my father had. Please help?

[ebosgramma]

If you did not sign for the loan what the finance company did was illegal. Ask them to send you a copy of the title and all documentation for your father's loan. He may have forged your name. You may have to prove to them that you own the car and that you never signed anything.
They have no right to take your car as long as you are contesting this and can prove that you did not sign the title over to your father and are not a co-signor on the loan.
If you cannot clear this up you may have to hire an attorney.

[popowich]

Wow, I'm not a lawyer, but that sucks. Nothing like deadbeat dads.

-Raymond