Well, procrastination has its price. This morning they came and got my car.
I had just spoken to a local dealer who explained that I could sell the car to them and possibly settle the whole loan amount that way. Then when I went out front and looked on my street, it was gone.
Apparently had I done all this a week or so ago, it might be settled. But I put it off.
Not the happiest of campers just now. I think I might take a nap.
(Apologies in advance if I'm not fast in replying to comments. And no, please don't worry about me. I'm just kind of bummed, but no worse than that.)