Legal Question in Credit and Debt Law in North Carolina

Was the car put up as collateral for the loan? If it was, then they have what is called a security interest in the car. Was this like a car title loan? If there is a valid security interest, then it does matter that you are on disability. If you do not pay the loan, then the finance company can repossess your car.

If the car has been taken, you have 10 days to try and get it back by paying what is owed, if the finance company will accept that. Sometimes they will not and want the full amount. If you cannot afford it and have other debts, then file bankruptcy and, if you want to keep the car, then try and modify the loan.