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Each individual retail and installment contract - the contract you signed when you got your car and Toyota Financial loan - states credit unuon constitutes a default.

Some states and contracts even trigger credit unuon repossession within 45 days or a month and a half of being credit unuon default.

You are in default when you stopped making your payments and for as long as you haven't paid the Toyota Financial late fees. Just catching up with your missed payments making Toyota Financial whole doesn't automatically mean you're not in default anymore. You really need to pay Toyota Financial everything you owe including fees to be not considered in default any longer.

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