Universal Acceptance Corporation Screwed me and my credit over!!! Edina, Minnesota Nationwide

There is one person and one person only who screwed up your credit, and you see that person everytime you look in the mirror.

First on your accident.  Auto Warranties are for mecbanical failures, NOT for acccident repair.  That is what car insurance is for.  If the accident was your fault and you don't have "full" coverage such as comprehensive and collision then YOU are responsible for all repairs.  

As for loosing your job.  When you made the legal agreement for the loan, there is no provision that states you only had to make the payments when you could, and there was definatly nothing in there that said if you lost your job you could just give the car back and walk away.  NO...you are required to make EVERY payment ON-TIME and for the FULL amount for the length of the loan.

When they took the car, you did a voluntary repo.  As such they will sell your vehicle at auction, deduct the amount from your balance and then you are still responsible for the rest.  This will also legally be reported to the Credit Reporting Agencies. 

If you fail to pay this off and you will most likely be sued.  In court the judge is not going to care for all of your excuses why you didn't pay.  They are also not going to take to kindly to you calling them the scammers.  However, as a piece of advise if you go in with an attitude of actually wanting to fix it and to stop making excuses the judge may become your best friend and require them to work out a payment plan.

Oh and as for your excuse that they won't let you pay on-line.  Okay, so what you do is put the money you were going to pay them off on the side.  Do this everytime you were going to pay them.  Then when you go to court and explain that they wouldn't let you pay and here is the money.   If you go to court with that excuse but then don't have the money to back it up, the judge will see it as another excuse and basically  you would loose any creditibility you had.