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If you tell them "screw the car" then they take the car for the charges and sell the car to cover them. If you do not want to pay for the car because the money due is more than the car is worth, then you need to call them and tell them you will sign over the papers to the car to them as payment in full on the lien and you will just walk away. This would stop them from doing a lien sale and then trying to come after you for whatever the sale did not cover, which they could theoretically do.
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