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Repo man got you? Most people don’t know this part… When a car loan gets charged off or falls into default, people assume the lender still has unlimited power. That’s not how it actually works. A charge-off doesn’t mean the debt disappears, but it does change the lender’s position, their accounting, and what they’re legally required to prove if they want to enforce a repo or keep reporting it on your credit. Before a vehicle can be lawfully repossessed or reported correctly, the creditor has to
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