Small Time ATM Lending Company

Hi, I would like to seek for an advice since back in March 22, 2018 when my resignation from work happened. Since naka sangla po ATM ko that time to which supposedly till May 18, 2018 pa po ako matatapos sa pinagsanglaan ko however I was asked to do a Forced Resignation last March 22, 2018 then inoffer po ako ng cousin ko to take advantage of the free Caregiving NCII schooling by TESDA that will last for 6 months, so i grabbed the chance kasi sayang naman po kaya di na po me nakapag work from Mar-present, ngayon last June 3, 2018 pumunta po sa bahay yung taong pinagkakautangan ko kung saan naka sangla ATM ko and kinuha po yung item (PlayStation 4, gift ko po sa hubby and anak ko last December 2017) na sinwipe nya kaya po nasangla ATM ko sa kanya at nagka utang sa kanya. Now my question is, paano po kung di na po ako nakapag bayad at di na kinuha ulit yung item na yun at dahil di naman namin na nagagamit, am i still liable to pay for the remaining balance and since the item na kahit na sakanya po? Thanks po. It will really ease my burden with your answers.