I returned a car 2 years ago this May 2011, I knew it would be sold at auction and was paying what I could even before it sold, then they turned in to collection as repo so I stopped paying. I got a letter at my new job last week for amount of loan and court fees but no court date just typed numbers on unofficial looking paper. I are my options, should I offer something to settle, I owe 7,000. could pay 2,000.