A demand letter or initiate fee arbitration. But, from what you describe there may be malpractice with damages greater than the fees you paid.

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

Depending on the amount, doing so yourself could cause issues. Consult with experienced attorneys in the state where this occurred.

It would be where the loan initiated unless the contract provides otherwise.

They may have made an error. Put your information in a letter to them. Note, You must respond in the legal way and on time with, for example a...

The laws of your state might provide liens or your ability to keep the vehicle and charge storage until they pay.

If you continue to challenge with successful motions, the court will eventually grant your request for a dismissal with prejudice.

Check your state laws. Often no discovery is allowed in small claims other than subpoenas.

Yea this may be a medical malpractice wrongful death case. Medical malpractice means that a doctor violated the standard of care. A bad outcome is...

Consult with experienced bankruptcy or debt collection defense attorneys in the state where this occurred.