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My auto loan from NMAC was up in early 2013. I was laid off in 2011, and did not work for 2 years but, including late pays and everything, I managed to continue to get the loan down to the last $1100. A month before the contract was scheduled to be up, I informed NMAC that I was trying to pay the balance off, but may not be able to before the contract end date. They told me that this would not be an issue, just continue to pay that balance off. If I had anyone to borrow the $$ from to just take care of it, I would have. I made one payment the month the note was ending. Soon after that payment, I received a notice of acceleration demanding the balance. I almost immediately received a call from a CA regarding the balance (voicemail). Its been almost a year later, I have not responded to either, but I want to get this taken care of as well as receive the title (yes, they still have the title). Is there ANY way that I could pay this balance off and get the CO removed? The CA is not reporting.