<prompt> Human: Hello. My daughter has been out on her own for a little over a year now and has her own car that she is purchasing with a loan through her credit union. She has been behind on her car payments and rent payments and we originally started helping her financially but asked her to move back in with us so that she could live rent free and try to catch up on payments. She never likes for us to ask any financial information such as how much she owes and how much money she has but she has no problem coming and asking for money. Well, we simply couldnt afford it anymore and we told her that if she wanted our help she needed to move back in. She said we smother her with rules and that she wont be owned by the system all we ask is that she keeps her room clean, that she clean up her mess behind her throughout the house, and if we are at work, then please take the dogs out every few hours so they can use the restroom, so she refuses to come back home. Both of her brothers are out of the house and have begged her to go back so that she doesnt ruin her credit with what she is doing.Well, to make a long story short, she owes her roommate over 2,000, she owes multiple family members not including me over 5,000, and she owes her credit union about 2,000 in late payments 5 or so months behind on her auto loan. We have received multiple calls from an agency asking for her whereabouts and we have seen people up and down our driveway multiple times presumably looking for her car. We looked up the agency and they say they are a collection agency specializing in repossession and we are 9937; sure the cars up and down the drive our driveway is at the end of a road and it looks like it is part of the road until you see our house and realize that youre on private property are looking for her car. We asked her about this and found out that not only is she not insured and her tag is expired but she never updated her registration from our home address when she left over a year ago.I dont want her credit to be ruined and Ive spoken to her roommates who say that they can keep covering the rent and will let her catch up after she deals with the car first. My questions and concerns are with her credit union. She no longer has direct deposit and gets her paychecks in the mail to hide money from the bank who she thinks will just take it to garnish her wages. These are the facts:1. She owes around 15,000 for the car loan2. She is past due on the loan for around 2,0003. The car is currently uninsured yet she still drives it4. The cars registration is expiredMy best guess is that she should register the car, insure the car, and pay all of her late payments, plus an extra month in good faith, then try to talk with the credit union and see if they will allow her to keep the vehicle and keep paying as if nothing has happened. With that said, I have no idea if its reasonable to expect them to work with her or if they will without a doubt take the car. If the latter, should she just cut her losses now and not pay anymore towards the car, insurance, and registration?I really have no idea what she should do. What would be the best legal, frugal, yet not-credit-ruining path to take?Any advice would be greatly appreciated.P.S. I know some of you may be concerned about drugs, as we were; however, weve met with her roommates friends from school multiple times and they say all she does is lay around watching youtube and purchasing support feminism and equality to litter the house with or goes to rallys and events and they do not believe that she is on drugs at all. I want her to have her own beliefs of course and to be active in society; however, she has to have some financial responsibility so Im not sure what to do.  <response>: She will do what she wants with no regard to the consequences just as she has been, regardless of if you bail her out.If you cant afford it, leave her alone. He credit is a cesspool, with no hope of recovery until she changes her entire mentality. 