In reference to the person that said your sister would be ok as long as they cannot find the car and she'd end up with a free car in the end, do not listen, that person is as jaded as your sister. As for it being jailable this is usually not the case, however alot of buy here pay here places have gotten wise and started leaving their names as primary holder of the title until the car is paid off and dependent upon what is in your sisters contract this could constitute theft if she hides the vehicle. Yes she can tell them they can't take the car but at that point they can get court order compelling her to turn the car over. If she refuses to at that point she can e charged and jailed, not for the debt, but for being in violation of a court order. On a side note all of you should read up on Federal Consumer Protection Act as well as Consumer Protection Acts and Debt Collection Laws for your individual states you will find that in EVERY state it is against the law to interfere with a repossesion unless you have documented proof that it is not a legal repo. Your sister will not get a free car, even if they give up looking for it, it will go on her credit and stay there for 7+ years. However, if she does stop payments and they do not take the car there is a statute of limitatations in which the creditor can actively collect the debt. The guideline for this varies by state and she would have to go by the laws of the state she resided in when she signed the purchase contract for the car. In most states the creditor has 4 to 6 years to file a judgement (such as a garnishment) on a written contract (from the date of last activity) a partial payment or written promise to pay would reset this time line. If they do not obtain a judgement in that time she can legally fight and probably win any future attempts at obtaining judgement against her. However if they do get a judgement within that time they have (in most states) 8 to 10 years to act on that judgement. If that time passes they can still call her until the debt is paid but they cannot "actively collect" and threatening to take your sister to court or get a judgement against her after this time period is against the law as the debt would be considered time barred. Do not take this to mean that she would no longer owe. The debt would still be hers and she would have to pay it if she wanted it off her credit, collectors would just be limited to what they could do at that point. This is for the monetary issue only, there is NO statute of limitations on vehicle repossesion. If she has not paid it they can still repo her car (and get a court order to do so) 15 years down the road. She will at some point end up paying for this. Also, if you know where she hides the car and they come asking you about it, if they feel like being jerks they will sometimes consider that interfering with a reposession, which as I stated earlier is against the law in every single state.