Again, if that's the case so be it, but I really hope they don't expect me to pay it all at once. I live in Indiana, and I looked up the JD byrider repo thing and it really didn't say anything about that, just:

"When repossession can occur:

The titleholder can repossess once you default on your loan, which could mean missed payments or that you are not meeting another requirement of the loan, such as maintaining insurance on the vehicle. See your specific loan or lease contract for details on what requirements you must meet to avoid repossession.

The repossession process:

Your vehicle can be repossessed on your property, provided there is no breach of the peace. The person who repossesses the vehicle must notify the local sheriff’s office before repossessing or with" for Indiana

Also, not trying to argue. Just trying to brainstorm 😭