What to do when I do not own the car any more?

(Seattle, WA. USA)

I bought a car which cost me some where between 11 to 13,000 thousand dollars. I was making the payment all right then came all of the sudden to a dead end in my family where I had to spent over three thousand dollars. That really put off my payments for well of two months, in an amount of $1,188.10, incuding accrued late charges.

I tried to explain my situation many times to the agents which the loan came from, but they repossessed the vehicle anyway, when my balance was about $6,672.15 and sold the car at an auction for about what I owe. This happened just last November when there was this financial crisis, they then bullied me for $4,000.00 plus something. They then called me to offer me some settlement of $2,000.00 and that time of November I have just got back my job. I wasn't making much but I was planning to put this ordeal behind me so I said I could pay this within 2-pay period and the one I talked to she said its fine.

The first month I couldn't come u p with the $1,000. I had paid $800 thinking the follow month pay to another $800, then $400. After I had paid $1,600.00 I got a call from them saying I owe $2,400 this made me mad so I did stop the payment.

Now after over three I then got a call saying I owe this $2,400, this time there was a gentleman behind the phone when I told him I do not owe this amount but then all I am left to pay is $400.00 and that I could end of september he accepted my check over the phone and the check cleared my account at the end of September.

Now in November they are calling back again to pay this $2,000.00 dollars. I do not understand?