Our daughter bought a car 7 years ago and talked my husband into putting his name first on the loan. After having the car for a few months her other expenses increased. No longer able to make the monthly payments she voluntarily gave the car back to the dealership. Instead of selling the car on the lot, they took it to an auction and sold it for $6000 less than it was worth. A collection company tried to get us to pay the $6000. We offered to pay $3000. They turned that down and we went months without hearing from them. They have turned the account over to another agency that continues to harass us. It's been 7 years. What can they do?