Yes. They can want you to pay and they can garnishee your wages, attach leins to your other property, but NO, they can't make you pay if you dont have a job or assets.
Yes. The lender can sue for the balance on the loan and obtain a judgment against you.
I'm not sure if this is valid in every state, but I believe that if the car is sold at an auction, you will still be liable for the left over balance. If the car is sold at an auction and the sell price covers the balance of the loan then, I don't think you will need to pay anything else. Maybe some fees for the repo. I "think" this is how it works
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