Laid off from job, 65 and partially retired. Final payment on car was December 2025. Called to pay but told there was a rollover pymt from 2019. Not enough to payoff. New apt lease offer over $2000/mo. Lost apt Jan.

Car due December pmt plus extre pymt. Moved into hotel and went on housing authority list. Still waiting. Got enough to payoff car and Interest, I believe. Credit union changed status to charge off. Behind Dec to now.
What does this mean? Can I still payoff and get title? Advise.

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