Andy, I guess it is just all the shit I hear about good ol' "MOMS" used car lot. I know you know what I am talking about. Nevertheless, if you have had the car for 2 years, and lets say you only owe another year on it, and you are late one day with "MOMS". They will repo the car, they tell you, just come up to the shop and fill out some paperwork and get your payments current, and you may have your car back. WRONG. They will only let you have your car back, if you agree to start over from the begining.
Jackson