Legal Question in Credit and Debt Law in Virginia

Headed to court over questionable debt

I am headed to court over a repossessed vehicle. The only paper I signed for the vehicle was warranty information and the bill of sale. I only signed the bill of sale because I read at the bottom that it meant nothing without secured financing. It was a very late night at the dealership. They tried their hardest to get down payment money, high monthly payments, etc. but I could only do so much. To my knowledge, financing had not been secured, I didn't have the $300 down payment on the bill of sale, and I never signed loan guaranty paperwork with the loan company. The car was never even registered. The lawyer (collection agency counsel) sent me all the info they have per the judge and the only paper they have that means something is the bill of sale with my name signed at the bottom. The lender's (Household Auto Finance Corp) name is hand written on the backside of the bill of sale as ''Household'' and that is the only mention of the lender. I see no ties between myself and the lender. I never have. Am I screwed? What should I state on my form to submit to the courts before the trial?

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