I don't throw words like MORON around, but if you are at all serious then you truly are a MORON. I am not sure of your comprehension skills so I will just make your long story even shorter.
When you got the loan you made an agreement to pay back the balance of the loan. It does not matter if you still have the car or not. If it was simple enough to just stop paying on the car if you "got rid of it", then everyone would be doing that. So they are right you are responsible for the balance, if you fail to pay it back the loan balance they can eventually file a lawsuit against you.
Oh and I can't wait until you explain how they were "VERY rude and gay".