How do I prove this is not real?

We are familiar with this. You are being scammed. If they have account information change the account. Report this to the Attorney General and...

Debt buyer cases are usually defensible. See a consumer attorney. It should not cost you anything to consult. At least that is our practice.

this is a scam -- forward email to law enforcement

There is no right to cancel a car purchase done at the dealership unless it is defective.

the call has multiple earmarks of a scam

If there is no local court case and nothing in PACER, could a phone call stating I will be served a summons on Friday be legit?

You are being scammed. The case number is not in the form of an IL case number

Can i sue the dealership for not disclosing additional fee on contract?

If the dealer installed options were provided, nothing. You need to read before signing.

I got a letter from Palmer Recovery from an incident that happened 6 years ago, and I stupidly paid 1/3rd of it?

Show the letter to a consumer attorney. It should not cost you anything to consult. At least that is our practice.

I received a call from a company claiming to be a mediator for US Bank stating that I had an overdraft account from 2006 ?

you are being scammed -- mediators do not ask for payment of debtsa

What rights do a holder in due course have on a draft that has a stop payment on it?

There are insufficient facts to answer. Holder in due course status requires that the transfer be for value and in good faith. Why was the draft...