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You know how far behind you are, sooo, you should have that amount READY to send/give the lender to have any hope of continuing the loan relationship. In any case, you will have to contact the lender to resolve the issue, if only to tell them where to p/u the car. It will take much convincing to get the lender to OK your plan. If you need more info, email me.

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Q: If you haven't made car payments in a long time would it be better to turn your car over to the lender or to start sending payments now?
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