I had a vehicle repo back in 2010 yes the sold the vehicle never got a copy of what they sold it for they took me to court to Garnishment my wages they did but at least two times a year they will stop for six months then state doing it again that way the interested will build back up I started owning 6200 and now owe them almost 20000 I am paying them 600a month and have for 8 month and still balance hasn't gone down much they keeppialling on fees am never going to pay them off might habe to quit my job I also got divorced and wife took deit but they don't care they still coming after me