<prompt> Human: A little insight into my situation. 3 years ago my Father and myself cosigned for my current automobile. Hes very abusive and controlling and brokered the deal, but kept me at arms length on the details. All I knew was my monthly payment 360 and when it was due end of month. Recently, my mother has filed for Divorce from him and he started sending me threatening messages saying I have to refinance the car and that hes not going to make the car payments even if I continue to give him the money, or that since hes a co-owner even though Ive payed for the car entirely out of my own money hes going to have the car towed and re-keyed unless I tell him my moms current whereaboutscontact information. I went to the dealership today and relayed my current situation to an associate in their finance department and he said that he could switch the ownership of the vehicle into my name without any involvement on my fathers behalf, but we would have to run a credit check first and left the office. During that time his assistant commented on how easy the refinance should be since I only have 2,300 left until the car is completely paid off. The finance specialist came back after discovering I had a credit rating of 753 and tried to get me to trade in my car and buy a new one to get a lower payment, I told him I was happy with my car and that I just want to pay it off and have it transferred into my name. He left and came back saying that after fees I would ONLY have 5000 dollars left until the car was finally paid off. Knowing that his assistant told me that what I actually owed, I let him dig himself into a ditch until I askedtold him Your assistant said I only have 2300 left, where does the 2k come in?. He began to blush and stammer and told me that the fees for the refinance were 2k and that I would get a brand spanking new 5 year warranty on my car. I told him I just want to transfer titles and payment to myself, no bells, no whistles, and he kept insisting that all dealerships would charge the same amount 2k and that they were giving me the warranty out of the goodness of their heart. I have no idea about any of this shit and I think this guy picked up on it, I live in CA so I dont know if theres some sort of exception where these things cost more in my state than others. If anyone reading this could shed some insight what to expect, what would be a reasonable amount to pay for a refinance on my car, or any resource that could point me in the right direction to have the carpayments transferred into my name while being as painless as possible it would be greatly appreciated! TL;DR:Tried to refinance my car that only has an outstanding balance of 2,300 until its paid off. Financial Associate at the Dealership said I would owe 5,000 after doing so... is this right?  <response>: You have a bigger issue than the refinance. It sounds like the car is registered in either your dads name or both of your names. Whos name is on the loan wont matter. You need to get that part fixed ASAP because even if you pay the car off, your dad could simply take itreport it stolen. 