My question involves collection proceedings in the State of: California
I have a auto loan with a balance of $13k, it was in a car accident back in October 2008 and my auto insurance company said it was a total loss, my finance company said it wasent. Since then we have not made payments on this car, it has now been 3 years and we still have the car sitting in a garage, crashed and not driven. I would like to keep the car, but not sure what i can do to keep it. The car is under my wifes name only and her credit got shot because of this. My questions are is their some law that says after a certain amount of time if the lender cannot collect i can keep the car? If they do want to take the car, can i charge storage fees and have become a wash? My goal is to keep the car, and make the repairs on my own. Any help will be greatly appreciated.
I have not made contact with the finance company since the 2008 and they have not attempted to take the car. we still receive mail to our house from them for invoices.

