It 's more or less up to the bank how they handle it and the contract they signed at purchase, even thought they repo the car , and will turn around and sell it they are still liable for the difference owed and the selling price, like if they sell his car for 5,000 and he owes 10,000
he is still going to have to pay 5,000 on a car he dont have
sorrry i know you didn't want to hear that but thats the way it works

