<prompt> Human: I got a car title loan for 5,000. Paid about 5000 back but pay off balance is still around 4000. Car was worth about 6000-7000 with 60K miles at the time. Currently at 110K with some damage, pretty sure its worth way less than my current balance. 30 days late on payment. Of course I cant get another loan to pay it off. Ideally, I would like to deal with them to pay off for about 1000-2000. Last time time I spoke to them, I told them I couldnt make payment anymore because Im unemployed. They told me to send a hardship letter so they can lower my payment. What should I do next? When will they start repossessing my car?  <response>: Youve made a horrible decision and will probably never be able to dig out of this hole.Car title loans and payday loans are predatory lending. 