JAVITCH BLOCK & RATHBONE TOOK LICENCE INDEFINITE CLEVELAND Ohio

I WAS IN A CAR ACCIDENT AND WHEN THE POLICE CAME, THEY ADVISED THAT IT WAS MY FAULT AND SINCE I HAD NO INSURANCE, I WOULD HAVE TO GO TO COURT. I WENT TO COURT AND EVERYTHING AND NOT ONCE WAS I TOLD THAT MY LICENCES WAS GOING TO BE TAKEN AND/OR SUSPENDED. ABOUT A YEAR LATER, I GET A LETTER FROM THEM(STATE FARM'S INSURANCE SOLD IT TO THEM) ADVISING THAT I HAD 2 POINTS ON MY LICENCES AND THAT THEY WOULD BE SUSPENDED INDEFINITELY DUE TO THE ACCIDENT. I DID CALL TO MAKE A PAYMENT PLAN WITH THEM BUT, WITH ME SCARED TO DRIVE(LEFT OVER FROM THE ACCIDENT), AND NOT WORKING AT THAT TIME, I DIDN'T HAVE IT TO SPEND. ONCE I GOT A JOB AND CALLED BACK TO SET UP PAYMENT PLAN, I WAS TOLD THAT I WOULD HAVE TO DO A DOWN PAYMENT OF AT LEAST 3,000 AND THEN I COULD PAY $150.00/ MONTH. I TOLD THEM THAT I DIDN'T HAVE THAT TYPE OF MONEY AND WAS ASKED IF I COULD BORROW IT FROM SOMEONE, I SAID LET'S SEE, CAN I BORROW 3,000 FROM YOU, AND WAS HUNG UP ON(I GUESS I CAN'T BORROW IT FROM SOMEONE). I CALLED BACK AND ASKED IF I COULD JUST GET WORK TIME DRIVING, AND I WAS TOLD THEY COULD DO THAT, BUT I WOULD HAVE TO PAY HALF UPFRONT OF THE 10,991.00 AMOUNT OWED. I THANKED THE PERSON ON THE LINE AND HUNG UP. THAT WAS 12 YEARS AGO AND I HAVEN'T HEARD ANYTHING ELSE ABOUT IT. I'M NOT UNDERSTANDING HOW THEY CAN JUST TAKE MY LICENSES AND SUSPEND FOR THE REST OF MY LIFE AND I CAN'T DO ANYTHING ABOUT IT. I REALLY THINK THAT I WAS RIPPED OFF BY LOAN SHARKS, INSTEAD OF BREAKING MY LEG FOR THE MONEY, THEY JUST TOOK MY WHEELS.