Can you report a vechile stolen if the person you sold it to is not making payments anymore and will not return the vechile back to you and you do not have a contract?

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Absolutely. If they have your car, no legal documents to prove they own it (since they don't own it), and refuse to return it, it's a stolen car, and can be reported as such, but tell the police the truth, that you lent out the car for payments, and they didn't pay. They may or may not help, but if you lie, you can be prosecuted for lying.

However, since your name is on the contract, you are obligated to continue making the payments. If the person driving the car has an insurance card and the keys and everything else, the officer may make a judgement call as to whether or not to arrest the person. But if it's reported stolen, you'll most likely get your car back.

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