I bought a 2005 optima kia in 2006 for $12, 000.00 Americredit had the loan. I paid 336.00 a month for almost 2and one half years. I lost my job and got behind and they repossessed my car Dec.31, 2008. Yeh, happy new year. They then sold my car for almost 5, 000 dollars. Now I get a letter in the mail saying I owe them over 8, 000 dollars! This has to be illigal. At the very least unethical! Can someone tell me what I can do about this if anything? read full review »