This morning we were woken by a collection agency that wants $2,000 from us immediately.

Back in November 2005,I wrecked my little beat-up Toyota in a traffic pile-up caused by a driver in the wrong lane. The car was totaled, towed to a lot, and I signed the paperwork agreeing to give the title to the lot owner if I didn't return to pick it up in 30 days.

I never went back for it, the title passed into the lot owner's hands. We were notified of the title transfer. All was fine.