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You are each entitled to get your money out of the car, based upon your % of ownership: 12K and 10K in case the value is now less since it's two months old. If you two can't agree to sell and divide the proceeds, one of you will have to sue to force it to happen. Since she is resisting and the title is in her name, she probably will do nothing. You will have to sue HER to get the matter resolved.