I had an auto loan charged off in 2000 followed with a judgement in 2002 for only $3912. being very young I opposed the idea of having to pay for a vehicle (which I got at a small hole in the wall, no name used car lot) that did not last me no longer than 6 months. Which then I surrendered to a volunteer repo. Now 2012 I received a Notice of renewal of judgement for this account. Is this legally fair/feasible?