I have a seriously unfortunate situation and I’m wondering if anyone could help point me in the right direction. It’s a really long and drawn out story and I hope someone is willing to read through and help me.
In 2015, I financed a used 2014 Hyundai Elantra. I rushed into the deal because my old car was falling apart and I needed a new one quickly. The insurance and loan payments were well over my budget but I trudged through it anyway.
I failed to renew my auto insurance in 2016 but continued driving the car, then one June morning in 2017, I got into a major accident that totaled my car but I was at fault. Ouch. I know. While me and the other person involved in the accident waited for the police to arrive, I debated where the car would go: it couldn’t go to my mother’s boyfriend’s house, who was just down the street, because he already had other cars on his property and the town would be contacting him further.
So I called a colleague who’s father owned a tow service on the other side of town. They brought it back to their shop, but with no insurance on the Elantra, there was no representative to come out and assess the damages. So it sat there. The only choice was to junk the car but I needed the title. I of course did not have this because the loan for the Elantra is to this day outstanding (I’m actively making punctual payments on it) so the shop apparently pulled some strings and junked it on my behalf. I closed the registration, they helped me cancel the plates, etc. and that was that. Or so I thought.
Now a few weeks ago I got a notice for taxes due on the Elantra. I contacted the tow shop for the junk receipt or some kind of paperwork I could submit to the tax assessor since the car doesn’t physically exist anymore. But they claim they never checked in the vehicle, had any record of it being at the location, or kept paperwork on it. They never gave me a junk receipt.
**So if the tow shop can’t help me produce paperwork to “close out” the Elantra, who should I **
contact? The DMV? The dealership I originally bought the car from? The issuing bank for the loan I’m still paying?
I take full responsibility and fault for this entire situation - I didn’t think my actions through from the beginning when I obtained the Elantra. But I’m trying to make things right and do everything I can to square away this situation as best as I can. If anyone could point me in the right direction of how to handle this, I would be so grateful. I really don’t want to keep paying taxes on a car I don’t have anymore.
If anyone needs further clarification, or have further questions, I’m happy to discuss it.
Thank you so much in advance to whoever reads this and can help.