how do I get info on my sisters account because I think my relative has taken advantage of her situation, and recieved a credit card in her name?

I got a title loan on my vehicle to make ends meet in September, and realizing that I still have until September 2013 to pay this thing off is making me realize that I am running out of options. The payments are $311 every month, and when working part time and not being able to work as much since I'm taking classes part time now, and I can't afford my $108 registration and smog in July, or my $80 insurance. I don't know what to do, and I can't lose my car. The payoff amount is under $3000, but since I'm just paying the interest right now, I'll be paying well over $4,000 by next September.

I just received a voice mail from an unknown number, on the message says something about doc being served to the county clerk. I have several credit cards I have not been paying on since 2008, I was pregnant at the time and then was laid off from my job, when the company did several cut backs. I didn't work for over a year and a half and when I went back to work, I can barely keep up with all the expenses I have. I want to work with a creditor to start taking care of what I actually owe, not all the additional fees that they have accrued since I stopped using/paying in 2008.

My lender ran the numbers and my scores are 644, 604, and Experian is not giving them a score, "because they may not have enough information about your credit history to report a score." according to the paper they mailed me. This is screwing me, because if I had a score through them, even a poor one, I would be able to get a home loan because the company goes with the middle of the three scores. Now that I only have two scores, there is no middle so I cannot get a loan. My girlfriend added me as an authorized user on her Capitol One card about 1.5 months ago.

I received a civil complaint in the mail from Nudelman, Klemm & Golub. I sent them a letter in November explaining that I never had a credit card with Washington Mutual and asking that they send me some type of correspondence regarding where this came from and when. I never received anything and now I get a summons in the mail to go to court. Can anyone tell me what I can do from here?

I had multiple loans with great plains and paydaymax. I have overpaid on these loans but the ones I have out now with them I haven't overpaid. But if you total how much I overpaid they exceed the loan I have now with them. Should I mention this in my letter to them? I am closing my bank account so they can't access my funds but I would like to get them off my back(phone calls) if I can.

I am closing my bank account tomorrow. I have great plains, paydaymax, mychashnow, and plaingreen loans all scheduled for a ACH debit next Friday. I have overpaid the principal on all of them except my cash now. What happens when their ACH gets sent back? I plan on sending a letter to them after the account is closed (ACH revoke, C&D, etc). How much are they going to call me at work? I don't care if they call my cell phone or my references(I put false phone #s anyway). I just don't want to get phone calls at work.

I recieved a phone call earlier today from a guy who I assume was a debt collector, I wasn't home but my wife called me and told me he called. The guy on the phone asked for me and when she told him I wasn't there he told her "this call will serve as a notice to him that he will be served papers in three hours"! She didn't tell him she who she was. He gave her a return phone number and a case number to give me before he ended the call. It's been it's been 2-1/2 hours since he called and I haven't called him back yet but I do plan to.