How long to you have to pay back what you owe after your car has been sold at repossession?

Well after I got my car repoed it took me till Oct of the same yr to pay the lender off with a new charge off amount repoed in April 2003 paid in full Oct 2003 on my Credit Report it shows as a charge off. I paid it off in 6 months I refinanced my home to pay off he difference. In between time I had their Collection agents call me and make pymt options at the time but I told them I would be refinancing my home anytime and pay off the amount I owed.