<prompt> Human: I still possess a vehicle that the creditor has written off as bed debt, but hasnt sold the debt yet. Obviously its well past the repossession period, but theyre still looking for it. Id like to buy the title for the car from them, but they wont negotiate. Any advice on that as well? Ive offering more than they would make from taking it to auction, but they insist that I give them the full amount I owe including interest for the past due payments. I offered a lump sum thats lower than whats owed but still fair for the title free and clear, but they wont budge and I really rather keep the car if I can. Any advice? Should I just give up the car? Or can I wear them down? Help!?  <response>: Ive offering more than they would make from taking it to auction, but they insist that I give them the full amounSay you owe 10k and they repo it and sell it at auction for 6k. Guess what? You still owe the other 4k plus all the penalties and fees they tack on. The fact that they wholesale the car at auction doesnt release you from the money you owe. In both cases you owe the full amount.If you feel they would get 6k at auction and are offering them 7k thats still less than when they take you to court and garnish your wages for the original amount plus all the penalties and fees. You think you have leverage that you dont actually have here. 