You're not very clear here...
So are you saying that you OWE $5000 more than the car is worth?? And that they're not paying off the balance due on your auto loan?
Have you tried to check the value of your car on any of the websites that do that sort of thing?
I wouldn't accept settlement if you're not happy with the outcome. What has your agent done for you? ANYTHING? Is YOUR agent not advising you what to do? Something doesn't add up here.
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