ok so i bought a new car (americredit loan) was on time for about 2 years and got about 3 months behind. i am now starting to pay on the loan again only to find on my credit report that the loan has been charged off. the car has not been repo’ed and i am almost caught up on the payments. i have not got a hold of americredit in fear thay will tell me to turn the car in. so i have just been sending every dollar i have to them. the thing is the loan is charged off. do you think they will let me keep the car?
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