Consult with experienced Consult with experienced debt collection defense attorneys who may be able to file suit.

There is not likely a viable case but review the case with personal injury attorneys in the state where this occurred.

A consumer debt protection attorney may be able to help.

Failure to pay a debt is not the basis for arrest.

It is possible it is a term of probation. Contact the probation officer.

If there was a car accident that was not covered, contact an insurance bad faith attorney.

The contract determines how interest is determined as limited by law. Consult with experienced debt collection defense attorneys.

If they never sued it is likely too late for them to do so.

It may be a scam. Whenever one is unsure, give no information, demand proof in writing (do not give your address or other information),...

Check the contract for your rights which will include payment.