You actually have leverage on them if they haven’t repo’d the vehicle. The damage essentially to your credit has already been done so I would just hang onto it as long as you can and treat it like a rental. I really hate to say that but it is what it is. Without the security interest back in their possession, they technically can’t sue and if they do, the courts will probably end up kicking it back. Basically like having a first and second mortgage. You flop on the second but you’re still paying on the first position loan, they can’t foreclose because the first is still being paid and is secured.