American car center on Winchester What can we do about these rip off car lord can anybody help me ? I done had my car for 1 1/2 I’ve been paying $467 a month and not knowing that I haven’t been paying towards my car that I’ve been paying towards something else. I’m so lost so can anybody help me with this situation please Memphis Tennessee

I need help!!!!! I've been paying $467 in car payments that I thought was going towards my car but it's been going towards something else that I know nothing about. I've had my car for 1 year 1/2 and I had a wreck a few weeks ago a hit and run that left  my car totaled but it's still drive the same was just a little bump to me until the auto shop took my bumper off

so I asked if I could buy my car back from the insurance company but they informed me that the car lot said that I have to pay them 19,000+ more up front to keep it after I was told when I first got my car that all together my car was 15,190 all together now me and my kids are left without a car. So can someone please tell me what they had to do to fix any of their problems with this car lot any information will help thanks