“He signed the dealer intake sheet as a guarantor when I was twenty-two,” I said.

“But the loan was in my name, and I made every single monthly payment myself.”

“Listen to me carefully,” Monica said, her voice dropping into her professional accountant’s tone.

“In California, title transfer laws require explicit signed releases from every party listed on an original intake ledger.

If he signed early dealer papers in Oregon, he might try to claim implied equity if he gets desperate.”

“He took my car keys last night,” I said.