Tips on Buying Cars: Car Loans and Divorce, husbands name, vehcile

Question
My soon to be ex and I are both on the lein for our car. He will be keeping the car, I will have zero chance to use it now that I live 3,000 miles away. I do not want to be on the lein anymore, however, the car loan company has said the only way for me to get taken off is for my ex to re-apply for the loan on his own. My fear is that A. He just wont do that, and B. I doubt he would get approved. So that leaves me stuck. I think about just refusing to help pay( I was going to pay half the monthly amount) and he can't pay the full amount on his own...he would probably end up getting the car repossesed. I know that is not the way I would like to go. But I had another idea...
If he takes the car and trades it in for a cheaper model...somehow in the refinancing and payoff of the old loan amount, can I be completly removed from responsibility from the original vehicle? We owe about 11,000 on it.
I've only traded in one vehcile before and it was ions ago, and do not remember what happened.

Thanks for any advice you may have to offer!
Amanda

Answer
I think your best bet is to sell (or trade in.. usually selling will get more money for the vehicle) - Pay off the loan ASAP, and let him do what he wants with his own credit...

If he needs this vehicle... you can check with Creditors/lenders to see if one will allow you to Consolidate (combine) the old loan with a loan for another car... and in this process consolidate it to just your husbands name...

But in this situation you will probably still owe from the first loan - (If you trade in on a cheaper vehicle, the price they give you on the trade may not be the 11,000 you owe.. therefore the price of the new car lets say 7000 is added to what is left from your old car.. if they give you 8000 on the trade.. that 7000 car actually costs your Ex the 7000 plus the remaining 3,000 from your joint loan), this isn't really fair to him... perhaps you could work out a way you help him pay off the remaining loan balance until he is just paying for just the new vehicle...

your best bet is to go to a bank or credit union and talk to them about your options.. They can work with your current lender and maybe would something even better out for the two of you. Last resort should be talking to a dealer.. they may be able to get your name off the loan, but the rates will probably be higher and someone will probably get ripped off... so be careful.. a loan adviser at a bank or credit union is probably who you should talk to first.. (or get him to speak with one) - they should be able to help way more than I can.