<prompt> Human: About 7 years ago, I called my bank to let them know that I wouldnt be able to pay my car payments anymore. They repossessed my car. A couple of months after the repossession , they sent me a letter stating that they had sold the car in an auction and that I needed to pay the difference. The letter said I needed to pay 10,000 dollars within 10 business days. I freaked out and called the bank employee that had issued the letter. She told me that everything would be ok if we sent her 50 every month until the debt was paid.After a couple of years of paying it, we felt something was off. We werent receiving any kind of receipt for our monthly payments, and we never got a bill or anything. We called her to see if there was any kind of account number that we could keep track of our transactions, but there was no such number. She knew what the remaining balance was, so she had been keeping track of it somehow.Jump to now: we skip months every so often as it is easy to forget. My credit score is 760, and there is no record of the debt it shows a repossession, just not the deficiency debt . It should refresh every time I pay it, but its non-existent. Ive recently been approved to buy a house, and my lender seems happy to have such a financially responsible client. I havent paid on the debt in 3 months. Why have there been no attempts to collect? If anyone has had a similar experience, please give your input.Thank you.  <response>: My two cents: Dont rattle the hornets nest until your home purchase is completed.Something is up. It could be a scam but my guess is some level of incompetence at the bank. 