I purchased a car at the end of XX/XX/XXXX ( at the time my last name was XXXX  ) and a month or 2 after purchasing it I got put on medical leave at my job. I sent documents to the Finance company and they said they could do nothing cause the loan was new. I continued to pay what I could. The beggining of XX/XX/XXXX I was admitted into a hospital which I was required to stay at for 2 1/2 weeks I also sent proof to finance company for this. They said oh we can try to lower your monthly payments temporarliy, but they never did. Due to 2 back to back medical leaves from work I got further behind. InXX/XX/XXXXXX/XX/XXXX I set up for an auto draft payment to be removed from my bank account and a few days before the set up payment arragnement to be auto drafted they repoed my car. I emailed and called the finance company and asked why did you pick up the car when the payment was set to come out of my account. I was told there must have been a miscommunication between the payment department and the repo department. She stated her manager would call me he did and said well since we already have the car back you will have to pay over {$1000.00} in repo/towing fees and the auto payment you had set up. Which of course I could not afford. Well I have NEVER heard a word for them since that date, NO emails, NO phone calls, NO letters in the mail nothing. I pulled my credit report ( XXXX  ) XX/XX/XXXX and it stated under their business name as of XX/XX/XXXXI had a {$0.00} balance. So I assumed I did not owe anything because of everything and they had just resold the car. Well now 3 years later they called my former employer, NOT ME, but a former employer about checking employment. At this point I called the finance company and asked what was going on. She stated I owed over 12,000 I said how is that? ( Credit report says the Original Loan Amount is around {$13000.00} and that I have a {$0.00} balance ) even today it still say original loan amount was around {$13000.00} she is saying original is over 23,000. I asked her to verify my address, phone and email to make sure it was what I still have and it was and when I asked her why they have NEVER tried to contact me she said it was my fault?! How is that?! Haven't moved or changed anything. I told her what the credit report said on XX/XX/XXXX she said it must have been reported wrong, how is that my fault I can not report to the credit bureaus they have to. She proceeded to tell me there is no record of them trying to contact me in 3 years at ALL. She stated they had sold the car at auction and that I had made payments on it for {$8000.00}. I have a legal documented Credit Report saying what the original loan amount is and that I have a {$0.00} balance after they took the car back and now 3 years later they are contacting my former employer, i know they legally can not garnish my check with you taking it to court so they are illegally trying to do so. I really need someone to help me I was told XX/XX/XXXX that my balance was {$0.00} over the phone and when I pulled my report XX/XX/XXXX it stated {$0.00} balance as well and that this account was wrote off/charged off and know they are contacting others ( NOT ME ) saying I now owe money. Please help, these guys are crooks!!