Question

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I basically want to lower the interest rate on my car loan

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The only way this is going to happen is if you go out and refi the car. You lender has a prom note that you signed...they are not going to lower the rate.
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I also want to pay off the items, and/or negotiate payments to clear up my credit. (5,000) I do not have credit card debt at this time. Would you refer me to a credit repair or can I use your rate arbitration?

If you want to pay off items or settle accounts, do it yourself! Save your cash! However keep in mind that if you have collection accounts, paying them off will do nothing for your credit.