They didn't reply to my last letter and I really don't know what to do from here. Tomorrow I am going to find an attorney to at least write them a letter on my behalf and I'll wait to see if they respond. I've looked on the local court calendar and found that Ford Motor Credit sues people all the time locally, but the attorney who has been signing the letters to me has only filed one suit on their behalf, and that one was only filed last week. I'll let everyone know what happens. If anyone happens to know a good attorney in the Las Vegas area, I'd appreciate the referral.