In 2014 my husband took out a loan for car for $56000. We were paying fine and over time I got I'll and our payments started to fall behind. We went to ombudsman to seek help. They gave us some leeway and we had reduced payments. My husband then lost his job in 2016 and I was ill with a newborn. Instead of handing the vehicle back stupidly we sold it and used the funds to pay bills that were pilling up. The person we sold the car too then decided to sell again. We had no knowledge of this until one day I received a threating call against my family if I did not pay $15000 what they paid for the car they would harm us. We called the financier and sorted it out with them. They would have to repossess the vehicle and we would have.to pay the remainung amount. We heard nothing from them for the last year. I have now received a claim in the court against my husband. Which has been made for $44464. So all the payments we had made got killed by interest taking over. This morning I received a request to registrar for the full amount and have 7 days to pay. I called them and they told me they never recouped vehicle because it had been sold to many times and is not worth anything now. We can't afford to pay the amount. Where do we go from here??????