Westlake Financial services I financed a VW golf 2010 with westlake for $8500 , They obligated me to pay them $17000 in during 5 years. I volunteer to repossessed the car. They sold the car to auction for $2500. They Obligated me to pay $6597.00 for a car I don't have. Los Angeles California

You said in your post: "....they obligated me to pay $17,000 in 5 years."  That simply is not how it works.  If you borrow money from someone, you obliagte yourself to the agreements in the contract. However, you are never obligated to continue to pay on that schedule.  You can pay off the contract early and save yourself loads of interest if it is a simple interest contract. You can pay off the vehicle loan early by acclerating payments, or refinancing with a new lower rate, or selling the vehicle. Turning in the vehicle does not extinguish the loan. The lender sells it, applies the proceeds to the outstanding balance and any deficiency is then owed by you even when you don't have the vehicle you still owe for the remaining balance. This is SOP with any legitimate lender. Take the time to research vehicle loans and how they work.