I am not sure if I will have the right answer, but I will share my experience. I have “sold” two cars that I had leased, by having the people buying it just take over the payments. I called the company I made the payments to and asked them what options I had, if they allow someone else to take over the payments, and these two companies did. I had another car I wanted to do it with, and they didn’t allow it and it was going to be very complicated and cost the buyer a ton of money in taxes, because it had to change hands twice, but that is another story. So I think call the company that owns the note and see what they say. I know you don’t have a lease, but maybe it works the same way?