my husband purchased a semi truck. because of fuel prices and the transmission going out on the truck we let the truck go back. it was a voluntary reposession. we live in the state of georgia. we received a letter saying that the truck was sold and that we still owed over $12,000. are we liable for this amount? what if we do not pay what is the ramifications? if we are liable and only able to pay $50 a month can the finance company do anything to us?