You can though they may make a counter offer. Other routes include not paying them and see what they do next. Bankruptcy might not be worth it.

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All indications are this is a scam. Whenever one is unsure, give no information, demand proof in writing (do not give your address or other...

You have a case, though likely a minor one. Report this to the health department.

You might be an ideal candidate for bankruptcy. Discuss your options with an experienced and honest attorney.

They cannot put on a lien unless you agreed or if the sue and get a judgment. And there is no valid lawsuit until you are in breach of the...

This would not likely be successful as a defense if they sue.

You cannot be responsible unless you actually authorized your signature.

Yes. Generally loans are fully transferable.

You may have a case. Consult with experienced debt practices attorneys in the state where this occurred.

They can sue again within the statute of limitations.