<prompt> Human: Hi PF,Ive been trying to help my GF get her payments and debt in order and have come across a very bothering issue.My GF had bought a car and was making payments through Scotia Bank, afterwards it came to the point where she could no longer cover these and she has no license so she had no use for the car. She made a deal with the bailiff? I believe to repossess the car and it would halt the payments so she pretty much paid 8-9K to fail to pay for the car after 2-3 years. She signed a form that they provided when towing the truck.The situation is now that they are STILL taking the payments from her account and she really cant afford to continue this. Shes tried to call and theyve given her, well get back to you. They said they still show her as ownership.Has anyone been through anything similar, whats the fastest way to proceed in a situation as suck?Assistant: If she made a deal in writing, sue them in the Canadian equivalent of small claims court.If she doesnt have it in writing, welp.In the US, it would be incredibly unlikely for them to offer such a deal -- they can already repossess the car by the terms of the loan so they have no reason to give up the extra debt. I would presume Canada is the same.Human: She does have it in writing from what shes explained to me and well the thing is, I dont know if its considered repossessed. She was capable of making payments its just she kind of wanted to sell it back kind of thing so they made this deal.  <response>: If its in writing, sue them. 