Should i trust this person on craigslist to take over my car payment or is it a scam/fraud?help?

DO NOT DO IT You don't know these people. They can't get a loan and they will most likely never pay even 1 payment to you. You will still be legally responsible for the payments and the insurance. Let the car go back if you can't find someone who will be able to take over the note with the company you owe or another company. You might also try to get the car refinanced with a lower payment.

id say its a scam if they leave it in your name they cant even get insurance on it

your current loan agreement almost certainly prohibits this.

If legitimate banks don't trust these people with their own money and deny them credit based on their poor credit history why should YOU ignore that fact and act as their personal banker? Unless you have the resources and the funds to lose this car then DO NOT act as a banker for a stranger with a good story. Sell the car only to someone who has the funds to pay for it in full. Why would anybody even consider extending credit to someone they don't know and trust when several banks, who's job it is to verify customers credit worthiness already have told them NO. Don't do it. You're setting yourself up for failure if you do.

If a bank won't trust them to loan money to, then neither should you. Either sell the car and pay the loan off or keep it. Those are your only choices. Allowing someone to take over payments is risky and illegal.

Definitely a scam. No legit person offers to buy a car or takeover payments, sight unseen. Even if you found a legit person to take over the payments, this is going to end up causing you to get your car repossessed, anyways. Sub-leasing a car a lender owns breaches your contract with the lender 99.9% of the time. Your only real options here are the sell the car, outright, work our a payment arrangement with your lender or get approval from your lender to have someone else take over the payments.

Turn around & walk away - Quickly.

well i take it your wanting to lose everything let me show you : 1. you dont want them tearing up your car cause they dont care not in their name 2. their going to have excuses on why their short on makeing the payment 3. if all said paper work is not done with a lawyer in which they should pay all legal fees if they dont have the money for that theres your first clue not to .... 4. an if theres a loophole an they dont have insurance lot of people buy a months worth of insurance to satisfy the license Bureau an drop it after they get their tags , an like i said if he doesnt have insurance an he kills someone there going to come after you with all kinds of lawyers sueing your azzz all the way to the moon I hope i have convinced you that its a bad bad bad idea there are plenty of "WE FINANCE ANYONE" carlots they can get a car at but they know that those guys keep track of insurance with a amendment if they drop insurance they can REPO the car an if their 30 days late on pay these lenders dont PLAY they will be there with a Hook next day leaveing them walking ........

So someone you don't know is telling you they have bad credit and you would trust them to make your payments for you? You are already in a financially bad spot...don't make it worse by being stuck with a payment AND no car to show for it.