although it is unlikely they would know about it (unless they called her and she told them) the only way to be completely safe is keep it in your name. They can't lien other property of hers without a judgment and they would have to take her to court to get that. you could draw up a promisary note between you and her so that it is not an Asset to her - meaning she owes what the car is worth - preferably more than it's worth to you.