My question is i just turn in my car(repoed) my car because i hurt myself at work and have been out of work since 10/02. And i guess i thought that it would not be my fault but my lawyer tell me they can do nothing? Also i owe 22,000 still for my 1999 passport after paying on it for 18 months. And i know they will not get much for it at an auction. What can i do? I can't pay for the bal. when they sell it.