You have got to be F'n kidding me Repo'd because of a clerical error

Did your wife ever make up the missed payments from 2011 ? If she didnt thats why the car was repro'd not because of a clerical error. 3 missed payments and they are coming to get it. Usually if you know your going to miss a payment or be late you can call the creditor and make arrangements to pay late without penalty or even move the payment to the end of the loan without penalties or marks against your credit.

Have a car repo'd sucks, I know been there, done that. I'll pay my rent late before I pay anything credit related late.