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Someone with one or two negatives, set beside several positives, will have an easier go of repairing credit and increasing their score. Compare that to someone whose credit report is weighed down with more negatives than positives and you need to have a patient perspective.
Measured in time that will often mean 24 months and more.
But that would be more applicable if there were only a few negatives compared to many more positives on your husbands credit report.
The auction price will get subtracted from the loan balance and any amount on the loan left over is referred to as a deficiency balance.The finance company will typically make some initial attempts to collect on the deficiency balance by making a couple collection calls, and sending a collection notice or two.