Charged off Auto Loan

What difference does that make?

Good! Do that and it will save you an awful lot of headaches and money in the future

What state do you live in? That could be important.[/quote]Best you start getting prepared for what is coming at your way.
(1.) Lots of hounding by one or more debt collectors once the original creditor stops trying to beat your ears off by phone. You will need to learn how to handle that. Watch your credit reports carefuly to see who makes inquiries and puts new listings on your credit reports. Dispute them quickly but not before you have sent them a validation demand. Do that first then dispute. Keep a careful record of everything they do. Record all phone conversations then keep a written log of what was said on those phone calls, time, date, actual name of the caller, and any information gained from the call.

Keep a careful record of any and all violations they make. Send your validation letter immediately after first contact by any method whatever. Get prepared for the almost inevitable lawsuit that will come your way. Learn how to respond. Keep a watchful eye on your public record at the county clerk's office so you can respond to any summons at the earliest possible time, the same day it is filed or as soon thereafter as is possible. Study my links pages carefully. You will learn a great deal from them because I update almost everyday someplace and usually in multiple locations depending on content.
Of course, keeping up with all of it is an impossibility because some of the links are automatically updated by RSS feeds and that is happening almost constantly but do the best you can.

Truth is that there is much more information contained in those RSS feeds that it is easily far more information than the sum total of all the posts ever put up on this message board and two or three more like it. I know that one of the feeds is providing more than 100 posts per hour. It gathers all the posts on every legal blog anywhere on the net and there are over 200 of them all written by attorneys, paralegals and combined legal opinions from the SCOTUS and most state supreme courts. That is a huge amount of information right there alone.

 

Do whatever turns your crank.(lol) Personally I'd just keep on driving it until they come and get it. Of course that depends on various factors in your personal life. If you work at a job where they can get easy access to the car then I'd be sure I always had a ride home or cab fare home one or the other. On the other hand I wouldn't hide it either. I'd clean it out to the bare bones so I wouldn't lose any personal property in the process, neither would I take anything out of the car that came with it. Meaning the radio or any other accessories that came with the car. Anything that was mine I'd remove so I wouldn't lose it when I lost the car. I'd also make sure there were no personal papers in the car. Keep the insurance proof in your wallet so somebody isn't driving around on your insurance policy. Cancel as soon as the car is taken. I'd take a chance on getting a ticket rather than renew the license plates if they expired before it got taken too. Renew them and they will probably grab it that same day or the next. (LOL) Keep it low on gas at all times too. No use giving them a tank of gas along with the car. I'd keep a very small can of gas in the trunk just in case I ran out. I'd only lose maybe $5 at the most that way. Figure out what kind of mileage you get and keep only enough to get back and forth to work or wherever and put only that much gas in it every day. If it is a fairly new car it ought to get 25 miles per gallon pretty easy so a gallon of gas a day ought to get you anywhere you need to go and maybe you won't even need a gallon every day.