I don't have the title copy but I'm guessing it is an AND.
I talked to them yesterday and they stated he should have signed the contract, even though he did not. So their security interest is only with me. They called the dealership and they are not willing to correct the title. Do they have a perfected title? I work at a bank and this would never happen here. Because if we repo'd the vehicle we could not sell it since the joint person on title did not sign. Otherwise we would not have a proper security interest in the vehicle. The dealership told me they used to do this all time with the Credit Union, but the credit union had some issues and no longer will accept the papers without both names on all docs.
I would love to be able to afford an attorney, but I can't. Basically by not wanting to turn the vehicle in and wanting to not ruin my credit I am getting screwed.