I know these sovereign citizen people exist, but sometimes when I read these things, I can't help but think somebody is just fan fic spoofing the whole thing. Like there can't really be anybody this delusional, right?
“I want to not pay back loans. I’m petitioning magistrate and god to have it erased. And if the govt can throw in a car, fully paid for, power windows, power everything, cherry red. That’s also what I want. Oh, and my free gas card. Abra-cadabra? Is that the code word?”
Back when I was a young man, I loved stupid conspiracies. I thought it was like the old nosleep on Reddit. Everyone who was saying these things were in on the joke and everyone who took it seriously and complained about it was just stupid.
I learned better. I was joking but a lot of people weren't. I realized one of my exes was a serious conspiracy theorist and not just playing along with me. It was a sad day.
A sad moment in my life was when I watched my beloved shit posting flat world Facebook group went from a place where we had debates using incredibly flimsy science about flat earth to real people not realizing it was a joke and taking it as fact.
The smirks and winks lead to shouting matches. Silly banter ended up being personal attacks and threats. The monthly "long rant" became daily.
The crazy conspiracy theorists folks won.
AndbThe "birds aren't real" folks are going to get it next.
Maybe having the lender agree to an unsecured loan and release the lien upon them selling the car privately?
This way the lender gets more than they would at private auction and the borrow still owes them the balance (same as if it were repossessed and auctioned off)
negotiating a surrender of the vehicle and the balance still owed might have worked, but i doubt it would have been approved by the lender here. they know they're dealing with half a rotting brain cell with an empty wallet and no prospects. they'd rather start their well-tuned process to default the loan, recover and sell the car, bill the balance, and then either file for judgement/garnishment or sell it to a debt collector.
