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Exactly.  Everyone I repo'd from had a chance to do a "buyer surrender" and get some assitance in clearing their credit for the future,  and they CHOSE NOT TO.   It never was like get 30 days over and the car, motorhome, truck,  motorcycle, or boat just disappeared.  This one woman told the police she must not have gotten the notices.  Could be,  as she was evicted at two places she didn't pay her rent at.  It took six months to find her because she changed jobs.  Anyway,  deadbeats should get their own thread.