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Sorry FR I got no more rep to spread right now... this is right on the mark though! I love your opening paragraph! I personally love how mooches (how we refer to habitually late paying or repoed...

The repo guy you worked for was nice! Which is honestly how repo guys should be, but dealing with what they deal with I don't blame them for being indifferent most of the time!

It is no different...

Yes, it is a legit debt. They sold your vehicle at auction and the $7K is the difference between what they sold it for and what you owed plus any legal fees and repo fees incurred. As for your...