We purchased a Toyota Sienna CE in 2006 and had the vehicle until late 2008.Due to unfortunate circumstances we both were unemployed and payments were late and missed. The bank started harrassing us demanding the return of the vehicle. We knew the consequences of turning in the vehichle and tried to work with them.At one point we were harrassed by the towing company working for the bank so much so that the police had to be called. The next morning I truned the vehicle in to the bank and they continued harassing me .Yhis vehicle was sold for $11,000 and now they want us to pay them $16,000 +. I went to court the first time the bank did not show up and the case was dismissed. The bank continues to write and call us and is now starting a new case against us.What is my rights here? I do not have that kind of money and I no longer have the vehicle. I am I responsible for the remainder of the money although I do not have this car?