tod car title

The TOD means nothing until she dies. It's her car, not yours, and you have no legal claim to it.
Perhaps the best way to keep the car would be to pay the loan, as agreed.

 

Yes, if the lender properly obtained a lien on the car. A transfer on death (TOD) title means that it's her car to do with as she pleases — she can sell it, junk it, borrow against it, give it to someone other than you — during her lifetime. And no consent from you is needed for any of that. If she still owns it when she dies, then the TOD part of the title kicks in and transfers it to you without the need for probate.

 

Probably, but it obviously depends on the terms of the loan agreement and whether the lender properly perfected a security interest against the car.

Of course not. Your mother is liable for the debt. If your mother fails to pay as agreed and the lender has a properly perfected security interest, it can exercise its rights accordingly.

There is. Pay the loan as agreed.

 

Here's a sure fire way for mother to retain the car.

You can make up the arrearage as an act of kindness.

Once you've accomplished that, you can make any other payments on time.

That free advice I provided you is worth $2,500.

You're already ahead of the game, good on you, mate.

 

And if the loan is not paid when she dies, they can still take the car.