W.F.S. FINANCIAL Decietefull, DISHONEST, CORRUPT NEFARIOUS, VERY BAD COMPANY. BIGGEST RIP OFF AROUND SANTA ROSA, California

From the details that you have provided it seems that you have brought this situation upon yourself. They provided you with money to buy a vehicle and in exchange you agreed to make payments in a timely manner and when you completed repaying the loan WFS would turn the title over to you.

At some point you presumably missed one or more payments and apparently did not reach an agreement to catch up on your loan. At this point WFS repossesed what was legally their property and auctioned it off for whatever they could get. As you noted, there was a difference between the loan balance and the auction amount so they sued you for the money that you agreed to pay and that they were legally entitled to.

Where is the ripoff here? Better yet, why assume that they are organized criminals simply for going after the money that you agreed to pay them?

Morals and values means honoring the contract YOU agreed to.  It means when YOU sign a contract, YOUR WORD is sufficient to guarantee you will make each and every payment ON TIME. 

Apparently you don't have the morals and values to make those payments on time and the lender took the steps to protect their interest. 

As you throw around terms you don't have any idea how to use, it is obvious you do not have any understanding of how financing works.  When thje car is repo'ed, that doesn't end your responsibility.  (Why not look up the definition of the word "responsibility").  You signed a contract.  They are suing you for the amount of the contract.

You were a SUB-PRIME borrower prior to this transaction because of your reputation of NOT paying your bills on time.  And ONCE AGAIN, you continue in your sub-prime ways. 

Why not change your ways???