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Yes, but they must take you to court first for settlement options.
AnswerIn Ohio they must first sell the repo at a public sale. If the vehicle is sold for less than you owe the bank may take you to court and obtain a judgment for the difference. After they win the judgment they can then enforce the judgment in a variety of ways, a lien on other property (your house), garnishment, etc. If the vehicle is sold for more than you owe, they are required to send you a check for difference.
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