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I am an attorney with 30 years of experience; I hope to provide you information that will help you in resolving your question.
It sounds like the company may be violating the federal Fair Debt Collection Practices Act. This federal law regulates the manner in which a company may collect a debt. It also sounds like they may have violated state laws pertaining to repossion of the car.
There are three steps that you can take:
1) File a complaint with the Federal Trade Commission. See here:
2) File a complaint with the State Attorney General
Google the name of your state and Attorney General. Look for the Consumer Protection link.
3) Bring a private action against the company for these violations. See here:
Attorneys who do Consumer Protection work will meet with you at little or no cost to assess your situation. SInce the Law provides that the collection agency must pay attorneys fees (as well as statutory and punitive damages) for violations of the law, you have no reason not to at least speak with a consumer protection attorneys.
This link can help you find an attorney:
The attorney can also help you defend against the debt as well as pursue damages for you.
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Please note: Information is educational and not given as legal advice. Only your local attorney can give legal advice. I can't establish or accept an attorney-client relationship with you. All posts are available for public viewing.