DriveWorld and Allied International Credit Barron Auto Mall and Capital One I was tricked into buying an 04 Lincoln LS and believing that my monthly payments would have been around $3-$4 a month and insurance $429 a month. With 1 month free. Plano , Texas

I know that now!! And now they are trying to sue me after it came from 2 collection companies and for the wrong amount!!! I paid already like $2000 towards Allied!! These people are crooks. 

Ok, $300-400 makes more sense then $3-4. Do you have all the paperwork concerning the loan? ; it should be pretty clear on how much was borrowed and what the interest rate was.

The one thing I still don't understand is the insurance. How does the car dealer have anything to do with the insurance? I don't see how car insurance can be tied to a fixed payment every month, since it can go up or down depending on your driving record and accident history etc. Even at $429/month; the cost of insuring the car for a year is over $5K a year. That seems like an awful lot of money just for car insurance. Do you have a bad driving record?

Also, giving the car back after buying it does not mean that you no longer owe the money. The car will be sold at auction for whatever they can get, and you are still responsible for the difference plus any interest and fees.

Seriously, you thought a car payment would only be $3-4 per month? 

I find it incredulous that any reasonable person would expect a car payment of $3-4 per month with insurance for said car at $429 per month.

Using your figures; car $36-48 per year, car insurance $5128 per year. Since no one would carry collision on a car costing them under $50 per year, you must have the worst driving record in history to get charged that much for liability.