Without a written agreement between you and her, you are going to be SOL.

It then becomes a he said/she said circumstance. You say it was a “loan”. She says it was a “gift”.

So you paid off your ex-girlfriend’s car? How nice of you. Did you have a written contract indicating she would pay you back? If not, me and the court you need to bring this to will just assume you’re a nice guy who decided to pay off his girlfriend’s car loan. Good luck. But it sounds as though your stuck holding the short end of the stick.

In the absence of a signed and notarized loan agreement between you and another party, you have little chance of collecting the debt. There is no evidence that there is any debt. You say it’s a loan, she says it’s a gift. It’s who the judge believes more.

Get everything in writing. It makes life so much easier.

Unless you have some sort of a signed agreement for your ex-girlfriend to pay you pack, I’m afraid you’re SOL.

Live and learn.
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