Legal dispute over loan payment

You should get an attorney immediately. Someone who knows how to defend a debt collection case should be able to get this under control if you never got the money, and if the suit is wrongful, your attorney might even be able to recover damages for you.

The National Association of Consumer Advocates (NACA) is a non-profit consumer advocacy organization. NACA maintains a web site at www.naca.net where it lists geographically consumer law attorneys all over the US. If you don't already have an attorney, please look there for someone in your area who specializes in consumer debt collection defense to review the details with you and advise you.