My deceased father had a ton of problems with his DP Alfa-see-ya. After one year, he quit making payments. He told them to come get it. Problem is, it's not the manufacturer's that are the lenders, That's a third party company that has no clue how to fix these massive problems. They are stuck. Yea. They eventually came and picked up his motor-home. Credit? What did he care? He was retired, collecting a federal pension they couldn't touch. There-in lies your problem. Once the RV is picked up and resold, you can be held responsible for the loss that lender incurs.