My mom co-signed on an auto loan for me a few years back and up until about 6 months ago when I lost my job I paid my payment on time all the time. I only owe about $4000 on the car. However they are wanting to reposes it now, or I can pay $2000 and then finish up they payments. The repo man has been going to my mom's work and threatening her and telling her he is going to have her fired from work and sent to jail if she doesn't give him the car. Can they do that or are they just using "scare" tactics to get the car?