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The answer depends on the reason there is "no legal requirement for me to pay them." Generally, you are required to pay a deficiency upon the sale of repossessed collateral. Under some circumstances, Illinois law may bar a deficiency, for example, if proper notice was not given or the sale was not commercially reasonable. However, Illinois law also generally provides that money paid under a claim of right cannot be recovered back absent fraud. So if that is the reason that there is "no legal requirement," then you probably cannot recover anything back. If the reason you don't have to repay is based on federal law, federal law does not follow that rule, but I can't think of any federal prohibition other than a bankruptcy discharge.