<prompt> Human: Hi! This is my first time posting here, but it seemed like the most logical place to post. I recently received a debt collection letter from a law office, over a vehicle I let get taken back last year. I couldnt make the payments so I let them repo it. I was only 2 months behind and took very good care of it. After a period I was contacted saying I owed a variance between 1500-2000 dollars. To which I still dont understand. But in this most recent letter Im being told I owe the entire amount left on the note. Im preparing to write a dispute letter and I just wanted to get some opinions on the situation first. In the letter they claim to be assessing my assets, to which I have none BTW. So any advice would be greatly appreciated. Thanks guys!!!  <response>: Usually on a repo they auction it for a lot less than its worth then the remainder of the debt is still yours to pay off. 