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Attorney Bob Litchfield of California gives a great description of the perils you face if your vehicle is repo'd and then sold. As he says, you could be facing tremendous debt even after the vehicle is sold with what's called a "deficiency balance". You may be able to use Bankruptcy to discharge this debt. Watch the video below for his description, which applies to any state.

https://youtu.be/ufjm5-vNXCw