Anyway, we bought a car through GMAC in 92. In 97, paid the car off according to our records. According to GMAC, we haven't paid them off - even though I have proof. For the last 3 years I have been fighting them. All they will say is that I owe $800 more on the loan. They have refused (and I am not kidding) to prove to me what this $800 is. Over 3 years I have sent them 15 certified letters...I have all the receipts. They will NOT respond to my demands for proof of this debt. The only thing they sent to me was a statement of payments on my account, which shows that not only I paid the full loan but more than the original loan amount. What can I do? This company is holding my car and credit hostage and absolutely ignore any requests. The ONLY letter I have received is the one with the statement and it was a settlement letter for $600. I couldn't believe it. I wrote back AGAIN and said, I have paid more than the original amount...what is the rest of this debt and PROVE IT! I am at a loss as where to go. This is a LARGE company and I am a small nobody who they obviously feel deserves no time or respect. I know I could hire an attorney and I can imagine just how much that would cost. Any suggestions or similar experience would be so helpful. This is one bad debt that is legitimately NOT MINE! I paid these d**n people and they keep screwing me over.