Now to Lizard and others...what is the likelyhood that GMAC will send a rep to my small town to fight it in court?? I have been dealing with these b*****ds for years and they are so full of themselves it is unreal. I can just see them drumming up some charges and showing up in court. Of course, I assume IF that were to happen I would be right back where I started unless they could tack on more charges. I know I sound paranoid, but the last thing I need is more trouble. I feel I have sufficient proof that I paid the loan and have asked them time and time again for proof of this balance, to no avail. I am ready to go to court, but don't want to end up fighting a losing battle with this unethical company. If I threaten to sue in 30 days, I have every intention of doing so.