I was in a desperate situation. Ended up very upside down in the car. I ended up surrendering it to them. I heard nothing for over 3 years. In fact. About a month after I surrendered it, it completely dropped off my credit as though the loan never existed. I assumed they either turned around and sold it to the next sucker or because the finance company had changed there name to Bridge crest, perhaps my sale was questionable in legal proceedings. Anyway, it was gone and I went on with my life until recently. Over 3 years later. I received a letter owing a balance of over 6k and shortly after received a call from them. In Arizona, it's law that I be informed about auction etc. In the case of repossession. I received no notification whatsoever on any auction or remaining balance. It's almost as though they just resold the car and are coming after me for the balance I owed them. This has to be illegal. If they resold it on there lot or auctioned it off and recouped all or some of the balance I owed. How can I be liable for the whole balance I previously owed and never informed of the sale or what they recovered from it. It feels like there me be some illegality in this whole situation.