Credit Acceptance Corp Continue to harass me after I have paid off my auto loan! Southfield, Michigan

You said you were tired of harrassing phone calls, right? Why do lenders make harrassing phone calls? Because the borrower is LATE with their payments. The picture of defamation you are trying to paint, and it won't fly here, is you paid off the loan and now they are holding the title hostage because they just decided to pick on you to extort more money from you. You apparently made late payments and ran up late fees as well as extra interest. Perhaps during the loan you had a payment deferred. Same result...extra interest. These companies operate within narrow limits of the law. Some are also publically traded. They aren't about to jeopardize their business trying to extort a measley $135 from you. And no, I don't work for them.