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Thanks for all your information. I believe she has came to an agreement with the car dealership and they are going to work with her so she won't have to use this option.

So, even though the loan wouldn't be carried out for the 3,4, or 5 years whatever she has it for, she would still be liable for the interest on this even after they sell the car? She really got taken...

I have a question, if a car is voluntarily repossessed, when the car is resold to someone at auction or wherever the amount I know left over is the responsibility of the person who voluntarily repo'd...