I was dumb, young, and poor and stopped paying my car payment
In 2019 I purchased a vehicle for ~20k. I made payments for a little while but ended up relocating due to my job and wasn’t near the credit union where I would go in to make payments (for some reason they didn’t allow electronic payments) my last payment was around October of 2020 and had a remaining balance of ~12k on the car. After ignoring the calls from collections (for a while) the car was never picked up and the calls stopped coming. The negative balance still reflects on my credit report. But for some reason didn’t affect me with the purchase of my first home? Or when I bought another vehicle in 2025*
Do I now just own a car I can never register?
Is there a way for me to apply for the title?
Can they come after my other property?
Just at a loss for what my next steps may be, thank you in advance for your time.
Location: north/south carolina