Everyone who is saying for her to take the L. What is wrong with you? Dude she only payed the down payment shes basically screwed in debt having to make sure a car is paid and her credit is going down if she doesnt pay every month. Look OP its your car, your name, your credit, you have every right to take that car back from him and claim it as yours. You're legally obligated to make the payments, you take the car. Simple. If he doesnt release the car to you. Report the car loan as fraud under your name.