My response:
Oh, now I understand what you're trying to say.
You're thinking that, "If they have the car, why should I pay any more money ?"
Well, it's really quite simple. You signed a contract.
All because your car was repossessed, doesn't cancel your obligation under the terms of the contract. You see, here's what's going to happen. Very soon, that car will go on the auction block and be sold for whatever they can get for the car. That amount will be, I guarantee you, less than what you still owe under the contract. Then, you're still going to be responsible for the difference between what they got for the car, and your remaining balance. That's called a "deficiency". Then, they will add towing fees, auction costs, attorney's fees, interest, court costs, etc. to what you owe.
Then, you're going to start getting letters and phone calls from Collection Agencies at all hours, then from Attorneys, and finally, you'll be sued in a court of law.
Then, after they obtain a judgment against you, they will bring you back to court for a "Debtor's Examination". Oh, those are always fun !!
Then, once they know where you work and where your assets are, they will have your wages garnished, your bank accounts emptied, and have other personal property, like other cars, televisions, your Stamp Collection, or whatever else, sold off to pay the debt.
By the time all is said and done, your debt will increase dramatically, and a judgment will last for years and years. The judgment will "dog you" no matter where you go, and wherever you work.
Your credit will . . . well, forget about your credit; that's a gonner.
IAAL