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Financed vehicle in 2006. I got sick and household income decreased. Car repo'ed in February 2008 and sold at auction June 2008. CRA reporting $16,281 written off and $12,191 past due as of February 2009. Original amount was $17,903.
We never received a NOI (Notice of Intent), but we did receive a deficiency notice in June 2008 (via regular mail), stating that we owe $10k after the sale of the car-much different from the above figures.
Can't afford to PIF.
What would you recommend?