<prompt> Human: So somebody I actually know bought a pretty nice used BMW about a year or 2 ago from a dealer and got a loan on it. It was between 15,000-20,000. He had the car for about 6 months and during that time the dealership, mistakenly I guess, sent him the title for the vehicle. He told me he was in a bind for money and ended up selling the car with the title while it was still on a loan. He kept making the payments for the car until the bank realized he didnt have full coverage insurance on that vehicle and stopped taking his payments. Now, the bank is refusing any of his payments until he puts full coverage on the car which he doesnt want to do since the car was sold, and sold legally through another lender, and the bank said they are going to come repossess a car he doesnt even own anymoreWhat steps can he take and what steps will the bank take, any advice?Assistant: Your friend has put himself up shit creek.He still owes the full amount on the loan, although now he lacks collateral. Depending on the wording of the loan, the bank may demand payment in full immediately upon finding out, it really depends on the bankthe agreement. Human: I told him it was a bad idea from the start, he has no problem making payments he just doesnt want any legal action to occur or to have what you said happen and pay the full amount immediately  <response>: I would say legal like jail timecriminal charges is unlikely.Requiring payment in full immediatelycivil court is likely. 