If someone is suing me for loans unpaid but i never agreed to anything and nothing is in writing what do i do?

You are in a he said she said environment when it will come close to trial...it really is going to depend on which story the judge or jury is going...

My car repair cost alot more than i thought, can i send the bill to the lein holder?

Think about what you are doing...If you send the bill to the lienholder it says to them "your collateral is in trouble", that can prompt the lien...

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I wrote a check in 1997 in Texas that was returned because of a closed account.

First if the judgment was entered on 8/1/1998, then there may be issue as to whether the judgment is "stale" or not. So first see if they...

I was a authorized user on a friends credit card and filed bankruptcy

Your friend initially made the promise to pay the credit card, just because she didn't use it doesn't mean that she is not liable for the charges....