Drivetime I was shot and called to turn my car back in unable to pay.. 3yrs later I'm being sued clearwater Florida

A Repo is a Repo. It doesn't matter if they come and get it or you turn it in.

Now when a car is reposessed laws require it to be sold at auction, so you are right they did "make money" off of it. However, that "money" is deducted from the balance of the loan.

Now, because cars lose value and at auction the cars are often sold for 25-50% UNDER blue book even after the deduct the price they got at auction from your loan balance you would be left with a balance. This is known as a deficiency balance that you still legally owe. It doesn't matter if you have no longer have the car.

Now, before you say it. Just like a Repo is a Repo, the reason does not matter and this is how EVERY finance company works.

The best thing you can do is make sure you follow the instructions in the lawsuit as to if you have to "answer" it. If you get into court perhaps you can have the judge work out some sort of arrangement. If you are unsure of how to answer it you may want to consult an attorney.  One thing to look at is the Statute of Limitiations as in each state they only have a limited amount of time to sue, if they try to sue you beyond that time they can not succeed.  However, you can't just ignore it.  You still MUST go to court and bring up that as a defense.