Transmission Noise problems of the 2007 Ford Explorer

I bought this vehicle used through a certified Ford dealership where my father works and I had bought all my previous cars in April 2012. It only had one previous owner, no major history and was completely upgraded by the previous owner. I had it completely checked out, had the tranny flushed, twice, and all seemed okay. No warranty of any kind was available due to Ford policy. . . Supposedly. I moved to texas in June of 2012 and it did okay. Then one day, in September, I had my husband and children in the SUV and all of sudden it just started acting strange, wouldn't speed up, the rpm's would go crazy, the noise sounded horrible and then it just stopped moving. Luckily we were just heading out of town and not yet on the major highway. We got it moved to a service station and had to call our insurance company to tow our vehicle to a Ford dealership. We had to wait more than an hour for a ride home. We were now without a vehicle in a new state. I was told that the only fix was to replace the transmission. I put $4000 down on this vehicle, financed the rest and spent the rest of our savings to move from ne to TX. I had no extra cash to spend $4000 to fix it. I was told to let the bank take it and get another vehicle. I had to come up with $1000 down and get a lower quality vehicle and have the bank take it back. They sold it at auction for only $4000 so we still owe $13000! I had the vehicle for only 5 months and because of a Ford problem I owe $13000?!?!?! this is not right. I have been a loyal Ford girl and Ford mechanic's daughter my entire life and this is what I get?! I want to know what can be done or what Ford will do about this. I'm broke and my credit destroyed because of this. I don't like how everyone sues people but I am ready to sue! ugh!! I just want answers and results!!!!!!!.