[1320]

My question involves an auto loan or repossession in the State of: Texas.
I have not been able to make my required payments on my vehicle for 6 months. Loss of hours at work and other financial obligations plus I need it to get back and forth to work. The finance company has written off the loan on my credit report. I have no title. The wrote off balance is in full for $26,000. I have left the vehicle in my drive for them to come and get but they have not came out to get it. I do not get any phone calls from the finance company anymore. I don't won't to just take the vehicle to them and leave it. I figure if they really want it they will come get it. Do i have any leverage being that the vehicle has been written off and the finance company has already probably gotten compensated for their loss?

[M'sta Mikey]

You can leave it until the come and repo it but you have no leverage. It will appear and remain on your credit report for between 7-10 years. You defaulted on the loan and that's what happens, whether it's written off or not.

[Betty3]

Writing off the balance is just an accounting entry. You defaulted on the loan & it is still your debt.