Thank you. I do want to get an attorney. Do you know of any good consumer lawyers? also they said they will be taking me to court as well.
They may very well try to sue you for the debt. This is common. However, a lawyer will be able to work something out for you. Use the Find A Lawyer function on AVVO to find an attorney near you.
Also they are saying they are going to bring fraud charges against me as well can they do that?
It's a scare tactic. If you committed no fraud then don't worry about it.
okay than you so much you are very helpful :)