I am afraid that legally what you are asking is "how to I avoid paying a debt I contracted legally to repay," which I am afraid can be done only in some very limited circumstances and requires you to prove somehow they breached the contract or broke the law to give you rights to void the contract. One thing you can do is get your title Loan and have the terms reviewed, since in AZ they cannot charge more than 204% per year on these loans and if they have violated the AZ law or if they are not licensed to operate in AZ, you can use this to invalidate the loan and get out of paying. Aside from this, as it is a secured loan on your vehicle, you can walk away from it and simply give them the truck or you can consider filing bankruptcy if you qualify. This is why I said in the beginning your options are legally very narrow.

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