Can't Make Loan Payments?
Santo's sister-in-law will likely have to ask to settle with her finance company before they re-possess her car.
ANSWER: Since the car is worth half of what she still owes, selling the car and getting a loan for the rest of the debt is probably your best bet. Her credit is trashed though, so this probably isn’t possible.
You should go with her to the finance company and see if they will settle with her instead of re-possessing the vehicle.