Auto Credit (Taylor Motor Company) returned a car to me after i dropped it off to them! And trying to force me to pay Marion , Illinois

" Auto Credit is trying to "Sue" me for a car that I returned to them before my payment was due! I informed them that I would NO longer be able to pay for the car due to a loss of employment "

  Look at your contract.   Is there someplace in your sales contract that says you can bring back the car before the first payment is due?   I'd venture to guess that there is no such language.   You appear to not realize that you signed a contract and promised to pay for the car.  Once you sign, you are on the hook until the car is payed for.  That's how contracts work.

"  they just don't care!!!  "

  That's where you're wrong.   I would say that they care VERY MUCH about you keeping your word.  They care so much that they are suing you.

" They are suing me for the remaining balance of the 2002 malibu which the "Blue Book Value" is $3,900, but they want $10,000 for! "

  Let me guess.   In the sales contract, you agreed to pay $10K for this 2002 Malibu, right?   Is there any particular reason that you though it was wise to make a commitment to pay so much for that car?   Why do you think the "Blue Book Value" means something now, when it obviously meant nothing in the day you bought the car.   If you havent' figured it out, the "blue book value" is irrelevant.   The only number that is relevant is the amount that you agreed to pay on the contract. 

  In short, contracts are binding and you often get sued for breaking a contract.  The idea that you can just return a car and everything goes away, is ridiculous.