What should I do if the cosigner of a car loan took away the keys?

The cosigner of my car loan took the keys and won't give them back. I've contacted the police and they won't do anything. What are my options?

Answer provided by
Eric Schad
Answered on Apr 27, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“So the first question is, why did the cosigner take the keys? Did you stop making payments and let the financial burden fall on their shoulders? If so, the police aren’t going to do anything.
If that’s the case but you still need access to the car, you can call a locksmith to get a duplicate, or you can contact the dealership and tell them you need a replacement.
If you’ve been making the payments on time and the cosigner took the key, this will turn into a legal dispute. Contact an attorney to see what steps you need to take. Chances are you might have to sue to get the keys returned.”

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