I would like to answer divided into 3 points. 1. Now, if legally you are now the owner of this car but are not yet the owner. The owner of the car and the victim are now Finance. You must notify Finance who will file a complaint against that person for embezzlement. So in the end, he must return the car to the finance. 2. When the finance gets the car back. Because he bought you down payment no matter how much. He probably wouldn't give in. There may be a request for a refund. At this point, it is inevitable that you will have to clear things up with him. If we are going to allow litigation to occur, we have to look at the evidence from the down payment sale. Even if there is no contract, if there is other evidence such as online chat messages money transfer slip The transfer slip when he paid for the car in installments, etc. The court may consider asking you to compensate him for damages or return money to him. 3. Even though you sold the down payment to an acquaintance, it was because the down payment was sold incorrectly. Therefore, the responsibility for paying the finance installments remains in your name. If you let it lapse for more than 3 months, it will become bad debt. Your name will be blacklisted by the credit bureau for another 3 years when your history is damaged. Next you will conduct a financial transaction. Buy a car, buy a house Or you can't make other transactions in the form of a bank loan for another 3 years. If this is the case, it's like you're taking the blame for your friend who committed the crime. Try it and see which option will be suitable for you. But personally, if it were me, I would choose the correct way to clear finances. You may compare the value of the car while returning the car to finance. Let's go sell it ourselves (then take the money to close the balance with finance) and see which one gets more. As for the acquaintance, can you come to an agreement that if he doesn't send the car, it's better to clear things up with finance? In principle, he had to accept it because he did not have ownership rights to the car. You should try to talk and come to an agreement first. But if you don't agree, you have to follow step 1.