You should definitely retain an attorney to discuss the complicated details of your situation.
[Due to the limited format of Avvo, this is not "legal advice", nor does it form an attorney-client relationship.]
I agree with Mr. Kelly; the particular type of attorney that you probably should seek would be a consumer protection attorney or consumer credit attorney. You can find such a lawyer through Avvo, Martindale.com, the Brooklyn Bar Association, by Googling appropriate key words, or various other means.
Please note that I do not practice consumer law. This response is provided for general educational purposes only, and no attorney-client relationship has been formed. It should not be relied upon as legal advice. The response given is based upon the limited facts provided by the person asking the question. To the extent additional or different facts exist, the response might possibly change. The response given is not intended to create, nor does it create an ongoing duty to respond to questions. As they say, "Your Mileage May Vary." Best of luck.