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Reposession: What do I owe?


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I had a vehicle reposessed in Oct 2008.

I just pulled my credit report for the first time is AGES, and it's showing that I owe the amount that I owed when the vehicle was reposessed. To my understanding, I only the difference between that and the amount they sold it for. Is this correct? They might have sent me a letter of intent to sell, but I'm not sure, because my address changed and no mail was forwarded.

What are my rights here, and how do I enforce them?

In addition, they made a credit inquiry 2 days ago. What the heck?


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