I paid on a car for 4 years (always on time). Long story short, when ex hubby left I could no longer afford the car payment which increased about every 6 months. (No clue why it kept increasing, Friendly Finance out of Maryland) Anyway, voluntarily gave up the car in February 2010. The car sat, literally, until October 2010. No tags, no insurance, waiting to be repo'd. FF kept calling me at work. No joke 5 to 6 times a day. Not just me but all of my co-workers. This one guy actually told one of my co-workers that he was the "plumber" and it was an emergency.