I need help in the biggest way. I feel so helpless

[timehealsall]

Called me this morning telling me about the new car we're getting (we're trading my truck in and it'll be a wash, so we don't have to put any money down and it'll cut the payment in half)...it would be in his name and under his credit.

Ummm... hang on here Time. Okay, I get what you were saying earlier about this being his way to try and help solve some issues - that your payments will be cut in half so it will relieve some money stress possibly. However... was the truck in your name? And on your credit? I am VERY concerned about YOUR vehicle being under HIS name!! I'm not trying to scare you, but that means he could take it away from you! And it's doing absolutely nothing for your credit history. I fear that given his erratic actions as of late, this could be very harmful to you as it puts you more under his 'control'. What are your thoughts around that. Is there not a part of you that is already registering this as a concern? There has to be... you specifically mention it so your subconscious is processing it.

Please excuse if I'm not understanding a bigger picture - do you have another car that is in your name? I think it's very very important that at least one of your vehicles is.

Sorry, maybe I should have elaborated. This is my truck that is in my name. My credit is SHOT.. the truck hasn't held the value that well and we owe more than I was able to get. P.S., we ended up finding a dealership that would give us the amount owed on the truck but I couldn't get approved for the deal. His credit was getting bad, but it's better than mine and I could NOT get financing/leasing in my name and the payments are ridiculous. I have tried every avenue possible and just can't... It's not practical to have that truck being that it's so expensive. We use the truck mainly for the kids. I use our jeep mainly during the week to get to/from the station/home. He has his car as well. So he drives the truck mostly because he has the kids during the day. So we went and found a family vehicle that was 1/2 the price monthly and he is putting it in his name because I cannot get financing/leasing. We're both on the insurance for all the vehicles but I just can't be on the financing paperwork because my credit stinks.

I don't see him doing this as a bad thing to be honest. If he didn't want to have anything to do with me, he would just let me continue paying (we both contribute to this; even though I admit he pays it most of the time) or just stop paying it and let it get repo'd. Instead he's putting it in his name and taking on the financial responsibility to pay for it knowing that it's going to be "my" vehicle. Does that make more sense? Like I said, this is our family car.