My husband and I lost our jobs last year when the company we worked for went to China. We informed Wachovia at that time we were going to non opt the truck and not drive it until we got our new job in June 2009. The DMV does not require insurance on a truck that is not parked or driven on the street. We have made all payments on time for a year while unemployed. The month before we got our job, they repossed the truck. read full review »