In 2006 I went into a contract for a vehicle loan with Credit Acceptance Corporation (CAC) for a duration of 48 months. About 3-4 months from payoff the vehicle died on me. Due to the amount needed to repair the vehicle, I asked CAC if they would offer me a settlement on the car so that I could pay for repairs and they said no and threatened to come and get the car. I told them to come and get it. They never did. Now 2 years later I am recieving a writ of garnishment showing 3 times what was owed on the car. Also, in looking back at the contract I noticed that they added on a service contract that I did not request or agree to by way of initialling the contract. Can I ask that this amount be removed from the judgment amount or request a lower settlement in court?