Probably not. Consult with experienced debt collection defense attorneys in the state where this occurred. Many cities or counties have legal...

You have a lawsuit for breach of contract. You may want to get a written agreement to pay before suing him.

It depends on the agreement with the creditor. Also, contacting the creditor can have them reverse the charge.

Serve your demand to stop contacting you. Include the reasons.

Look into a motion to set aside the judgment for failure to lawfully serve the lawsuit.

No. You have a contract with them to pay. Violation of the agreement provides them their rights under the contract. This includes repossession...

You can sue them. Consult with experienced attorneys in the state where this occurred.

Yes, if they will communicate with you. Get any agreements or promises from them in writing.

Look into a motion to set aside the judgment for failure to lawfully serve the lawsuit.

This sounds very illegal. Use the Avvo search tool to find an attorney. https://www.avvo.com/find-a-lawyer