text:  okay yeah an rv it's same thing it's a vehicle all right it's like any car all right you're upside down on the car and uh you stop paying so the lien holder the bank uh then repossesses it and they can do it either by grabbing it with uh a repossessing person you know they grab the car or you hand it over to him and do it voluntarily then they sell the vehicle and uh whatever it's worth uh which is gonna be worth a whole lot less than what you're paying that what you owe you're upside down and you owe the difference