I'm Lucy, and I'd be happy to answer your questions today.
If the driver has permission to drive the car, then the car isn't stolen. The finance company can repossess the car due to non-payment (depending on whether the statute of limitations has expired), but the driver may be able to beat theft charges for the car itself. There would have to be some evidence that the person in possession of the car conspired with the owner to avoid paying for it, or it's a civil breach of contract issue.
With that said, they could still be charged with possession of stolen property for driving a car with stolen license plate if the plate on the car didn't belong to him. Or the state can charge him with a registration violation. If the car is not registered and insured, they'll also charged for lack of insurance. Those are misdemeanors
Whenever there are multiple charges, a local attorney may be able to help negotiate a plea bargain where some are dismissed in exchange for a plea on others. If the driver cannot afford an attorney, the judge will appoint one for him at no cost.
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