Ok so let me ask you this. Worst case scenario they didn't file my paperwork in time. So I'm stuck with a car loan for 2 more years that is not helping me?

Or does that mean since its reporting as discharged already then I'm not liable for it?
Because if it's not helping me what's the point?
If I let it go will it count as a repo on my credit?
Or do I need to keep it