Hey Efon, I owned the tractor in my avatar picture. Clear title in my name. It was lease purchased from May Trkg. This was my second tractor that I lease purchased from May Trkg. I chose to lease purchase from May after talking to several owner operators that owned their trucks and could go haul anywhere they chose. They chose to stay with May. I felt the same. I worked for May until I retired. I never had any doubt that I would complete the lease purchase on either truck. An efficient owner operator is valuable to May Trkg. Cathy Williams, Owner Operator dept manager, will give you sound financial advice if you ask her.
That said if you are deep in debt, I recommend to work as a driver and pay off as much debt as possible before lease purchase.. Remember, when you start a lease purchase, you are going into business with no money. After you have completed your lease purchase, you are an established owner operator and you have choices and dealing from a position of strength.
I still go to Brooks during May Days and grab a free burger and visit. I retired in 2009.