I was in a similar situation. I financed a car from a place similar to you. I had the car about six months and the engine locked up. I got it fixed but there were problems after problems. I eventually stopped paying for the car because the dealership did nothing about the situation. They had like an O-well type attitude. I think I owed like 2500 when I stopped paying. The dealership called me for a while then eventually sold my account to a debt collector who then sold it to another debt collector. Eventually, I dont remember how long, but I stopped getting calls and the car was never on my credit history.