Believe me when I say that they will come after you for everything they're owed. Here's the thing, everything you put them through, you're going to pay for. They need to track it down? Repo it? Store it? Take you to court to recover their money? You're paying for everything, plus the court fees, PLUS the $260 you still owe. This could potentially cost you thousands. In addition, because of the judgement against you, in states where it's legal (most states), they can file to garnish your wages, taking up to 25% of your net (take home) pay. Or, you can just pay the $260 that you owe.
20 years retail auto sales experience.