WOW.what state are you in.only the court can make you pay.all a creditor can do is take you to court to collect depending on the papers you signed they can haunt you as long as they like.you need to go see the clerk of the court and see what they have on you.good luck.

Bad rotors.once they crystalys from heat they kinda stay that way.replace that rotors with slotted are holes in them.go to summit raceing.com.are you could try stop squeak grease.

A obd code reader is the only way to reset it.have it checked before you reset it maybe another problem.

You could hold the new part in hand and look for it.it will be on the side of the engine block are the tranny bell housing.you might have to lay under the vehicle to fine it.between the motor and firewall.hope this helps you out a bit.