And btw, like someone above said, if you don't think you have debt you need to double check...what he owed on that car NEVER showed up on his credit or anything. So ya'll just be sure and take care of it, if they do the same thing to you like they were going to do to him and put a lean on you....that means you can never own a house, another car....ANYTHING. Be careful and take care of your business. The reps are mean because they get cussed out all day, but after my husband told them he was a nice guy and was going to work with them, they were tolerable after that.