<prompt> Human: So my car was repossessed and waiting for the legal notice to be sent with the amount I owe to get my car back. In the mean time I am seriously considering the best plan of action I should take for my financial situation at the moment. There are 3 options Im considering but dont know how some things play out in real life so I need more information to be able to understand the repercussions of each option. Obviously one is to pay back the past due balance and get my car back no questions on that oneSecond: to allow them to auction off my car and just give up on it since it was an enormous financial burden on me. Then take the steps necessary to answer for my deficiency balance.Third: this is what my mother is suggesting to let them auction my car, and ignore anything and everything that comes after. Meaning when they come for the deficiency balance that I just continue to ignore the problem because it just goes away after a few years. Which obviously I dont think is realistic or right but for the sake making a decision I told her Id look into pros and cons of it.Now the first two Ive done enough research to be able to weight the pros and cons of both. But in all honesty Im a bit curious as to if anyone has personal experience with the third option. I guess my question are:How soon after they auction the car do I get the deficiency balance notice and what are the processes the company will take?What are my options with a deficiency balance? Settlement, or repayment options? How soon do they come after me for it? And has anyone ever just done what my mom wants me to do and ignore it all? I mean I understand how badly it will reflect my credit score but do they actually just give up?Heres a bit of background on the situation:I still owe 22,000Monthly payment: 475To get car back: roughly 3000 with repossession feesThe car has about 3000 worth of damage from an accident on the side so it will probably auction for 5,000 my assumption.Also if you read this far, thanks for taking the time to read and hopefully share insight  <response>: Your mom gave you bad advice. Theyll take you to court and garnish your wages to get their money owed. Id do 2 and stick with cars that are 2-3K max for awhile until this debt is cleaned up. 