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Thank you. I just have several other questions? So what happens if they do reposess it and I do not pay any of those cost to them? Will they put a judgement on my credit report? Will I go to jail? Garnish my wages, lien my property? Besides ruining my credit, I guess I am asking what will...

Hi, on 4/5/06 I purchased a 2002 Nissan Xterra. The original loan amount was 18,438.03 and the original loan date was 4/5/06. My interest rate was 19.29% with household bank auto loans. My payoff quote as of today is 14,616.18. I have not even paid 4,000 of the principal of this loan. I...