I have a company First Financial that had left me a message that a company Ameri Credit has sent my debt to their attorneys for a litigation claim. Anyway this First Financial as stated that they would not take legal action if I give them $1000.00 down and pay $200.00 a month for 6 months then I would pay $250.00 a month for 6 more months and then they would make another settlement offer. He asked what was the problem with this loan that I couldn’t pay at that time. This is a car loan that I had and I surrendered the car to them due to from the day we bought it we had trouble with the car just cutting out stopping the day we brought it home we had to have it towed back to the dealer. I did try to get them take the car back then and the dealer said once the contract was signed they could not do that. So I called some attorney to see what I could do and he told me nothing since the car was used and not new. That if it was new I had 3 days but since it was not there wasn’t anything I could do. So the dealer did agree to look at it and they did and said it was the gas that was put in it when we bought. So then with in the next few days it had to be taken back again and I was told it was the spark plugs that was in it was not Mazda parts and from then on we still had problems and taking it to shops to get it worked on and it just got expensive and we could not afford the problems with the car plus the a car payment. However I don’t have $1000.00 down or an extra 200-250.00 a month. He stated that they have been trying to contact me by mail. I have NOT received anything in the mail from them or Ameri Credit. I have 2 messages that they left me last week before I returned the call because they did not tell me what this was in reference to just some number. I did return the call on the 3rd time because he left me a message about a litigation claim. The gentleman from First Financial also stated he needed to know as soon as possible what I was going to do or he wasn't going to be able to hold the legal claim. What do I do? I don’t even know how they got my cell phone number. So there must be away they could have contacted me in the past 3 years if he has my current address and my cell phone number. So why have I not received anything from this company or Ameri Credit and still has not since I spoke with him last Thursday. I’m so confused what I can do. I’ve been told not to answer there calls, don’t pay anything over 2 years old. That I should sue them. Somebody told me to look on the web for free legal advise so this is why I'm contacting you guys. Please advise