Buying my first 18 wheeler need legal help?

This is a fishy deal to me.

To protect yourself, insist the title must be issued in your name as the owner and his name will be listed as the lien holder. If he won't do that, then he still owes money on the truck and can't get a lien release from the current lender. He can't sell the truck because the current lender won't allow it.

This would be my concern: If he retains his name as the owner on the title, he can sell the truck out from under you and you'll have no recourse. If he doesn't give you credit for the payments, he can repossess the truck. If the truck still has a lien against it because he's still paying on it, you could lose the truck and your money to repossession by the current lien holder. It's no different if you buy a car and a bank finances the car. You are the titled owner, the bank is listed as the lien holder.

It's normal for the buyer to be responsible for the plates.

You haven't any foundation for a go well with in opposition to the trucking manufacturer. Whilst the truck will have been illegally parked, your mother was once at fault for not recognizing a detrimental obstacle and proceeding into visitors without ample clearance. You and your mom are nonetheless dependable for making the car payments. Voluntary repossession isn't an choice seeing that the automobile is now not in a saleable condition. You may even be accountable for paying penalties to the financing company for no longer providing sufficient insurance coverage on the auto. In case you can't make the payments, then your mother is required to make the repayments as a cosigner. If neither of you make the repayments, then both of your credit histories will be affected negatively.