Usually, the car gets sent to an auction center where it will be sold usually at less than fair market value and certainly less than the amount that is owed on the loan. The proceeds of the sale less expenses are deducted from the amount owed on the loan, and the lienholder sues the owner for that difference. Owners should try to work out an agreement with the lienholder to pay the arrears in full and get the loan back in good standing. It might give the car back. If that does not work, owners should see if they can sell the car to someone privately, before the lienholder sends it out to be auctioned off. The car sold privately will get more money than when sold at an auction. This will lower the amount the owner gets sued for.