If you have the title---you can repair the car without any worrys about that junk/etc title crap---all you have to do is fix it---they want you to take a low pay off and then they will sell your car and probably make a profit on it--it will be shipped to Mexico/south america or Poland.etc---

Deal with them about the top level shape/condition the car is in---new/good tires, recent brake job, etc

You'll just have to change your insurance coverage to libility/medical instead of full coverage.

If you take the pay off and don't buy the car back---made them add sales tax value, and an amount equal to the remainder of your license period---