<prompt> Human: My sister failed to pay her car for three months so they want two months payments at once and she cant afford it so shes decided to just let the repossession happen. What will happen to her after this?  <response>: 1. She gets a loan default on her credit report that wont go away for 7 years. 2. They can take the car basically any time now, and likely will soon. 3. They sell the car at auction and any difference gets passed onto your sister. 4. She pays or they can get a default judgement against her if she cant. 