<prompt> Human: My wife and I are getting divorced this month. I bought her a used car for about 9000. I put down 1000 downpayment for her. What I want to do is to transfer the car loan to her name 100 completely as well as making sure she gets her own insurance. The problem is, we live in NY but our car loan is with Wells Fargo. This means we cant walk into Wells Fargo and transfer to her name in office. Whats the first step for me to make sure her name is on that loan? She is paying her car loan ON time by going through my car loan and pay from there online. Now the biggest question, because her credit score sucks. It is mostly like that she will need someone to co-sign. Her mom refuses. What options do I have?  <response>: You have to refinance in her name. You cant just say you dont want to pay any more. 