JP, the attorny's job is to collect the balance. S/he may exercise any of the Lenders legal options to do so. Those may include garnishment of your wages, attachment of your property, ect. As for your other question, credit reports are NOT easy to get corrected. An attorney could challenge your CR, but how would you prove that your car wasnt repoed? Its fairly easy, either you have it in your possession OR the lender has it and/or sold it. Maybe I dont understand your line of thinking.
The 'Balance of Payments' of any country is the difference between the money made by exporting goods against money spent on importing goods from overseas. Take a simple example.... A country sells 100 billion worth of cars to another country - BUT - at the same time, imports 20 billion worth of grain. The balance of payments on that single transaction is -80 billion, because the country made more selling the cars than it spent on importing grain.
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