Legal Question in Credit and Debt Law in California

If the loan was a purchase money loan (i.e., money you used to purchase the vehicle) then you are effectively in a position in which you must either work something out with GMAC, sell the truck and buy another car, or lose the car to repossession. There is no ability on your part to make them let you keep the car without paying for it. Where it was purchased is pretty irrelevant - they have the right to repossess the vehicle regardless of where it is located if you do not pay them or work something out. My suggestion is sell the truck to pay off the loan, and then go buy something inexpensive you can afford. If you can't afford a vehicle, then you will have to figure out another way to get to the VA. I am sorry I don't have better news for you, but the reality is that you cannot keep a vehicle you don't pay for.

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