credit acceptance rip me off Nationwide

When you asked the lender to come pick up the vehicle, you were requesting a repossession.  It is the same procedure from the lender's point of view for a voluntary repossession and an involuntary repossession.  That process is this:

1. Pick up vehicle
2. Add fees to delinquent account including repo fees, default interest and other fees per signed contract
3. Sell the vehicle at auction - normally for pennies on the dollar
4. Apply the net proceeds from the sale of the asset (vehicle) to the outstanding balance
5. Notify signers of deficiency 
6. Go after the signers on the loan for the deficiency
7. Get Judgement
8. Garnish wages 

This is the process you agreed to when you signed for the loan. 

I don't understand why you think they wouldn't come after you for the deficiency balance. It really doesn't help to turn in the vehicle because the loan is still owed, even if you don't have possession of the vehicle. The loan continues to accrue interest the entire time it is in default and even when the lender has a judgment. The interest is regulated by your state's statutes for judgment interest so you can check to see if the figures are correct. It would be in your best interest to negotiate a full payoff of the judgment rather than letting the garnishment continue as it will cost you less than the garnishment. 

 No you ONLY owe the value that YOU borrowed plus interest on the principle amount. What it boils down to is a failure to READ WHAT YOU ARE AGREEING TO!!!! EVERYTHING that has happend was spelled out in the paperwork that YOU SIGNED!! Im going to go out on a limb and GUESS that YOU just signed there and there and initialed there and YOU DID THIS WITHOUT READING!!! HOW can YOU say that YOU have been ripped off? If anyone has ripped YOU off its YOURSELF!!!!