I think you have all the details, my point is in ethics and morals not just what your "legally obligated" to do. If circumstances were different and i had a job this conversation i would be doing shat i am basically asking you to do which is write off a loses. I'm disabled and can't work, i have spent of the last years in severe pain in be trying.to find reasons to not just end my life. So i thought jeeps a great company they will certainly and help me out with a small sum being that my vehicle.was.also.my home. You chose not.to.care at all.