I did some further research for repossession in my state. Supposedly, the credit union will repossess my car then resell it. All the blogs I read advise people to hire attorneys (even pro bono) to ask the bank/credit unions to put their repossession terms in writing for the person whose property is being repossessed. And there are things like “repossession loans” that I could apply for, to help me pay off the full balance and then repay the repossession loan. So, at least there are options.