Legal Question in Credit and Debt Law in Florida

I am being sued by a auto finance company. I feel I was takin advantage of.

I purchased a new 1998 automoble for approx. $16,000.00. I made payments of $421.55 totaling $9274.10. I called to find out what my pay-off was. I was told it was $16,000.00. I told the finance company they can come and pick up the car, which they agreed. it was later sold at auction for approx. $8,000.000. this totaling approx. $17,000.00. I am now being sued in civil court for a balance they say is $6,714.17. this is totaling up to approx. $23,700.00. I have made 2 seperate offers to settle this once for $3,000.00 and then for $4,000.00 to be made in payments with out interestto cover the original interest of 17% and fees that were incurred for the car to be auctioned. They are dead set on $6,714.00 to be made in payments with interest or a lump sum of $4,500.00 that I do not have. I have 20 days from 6-4-01 to provide a response to the summons I received. I am trying to resolve this matter. I do not know what to do from this point, as far as a formal response to the summons and how could I tell the Judge, that I was threatened by the finance company with garnishment of wages with out due process, repeated telephone harrassment and that I feel I am paying too much to settle this dispute.

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