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surprised you haven't parted it out on ebay and return the stripped frame to them. i initially thought this thread was a joke but i guess not. i leased a benz over 10yrs ago and had to return it as they wouldn't let me take it out of the country legally even though my payments were never late etc. still showed up as a voluntary repo on my credit. you're in a much deeper hole not having paid in 3yrs. they just havent chased you because the value of the car/truck is declining every day and they are not going to throw away good money after bad. and its just a fucking toyota they cant resell for much. dont think they forgot about you but i doubt that black chevy repo pickup with the stinger hitch hidden under the bed is creeping too often
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