CREDIT ACCEPTANCE CORPORATION RIPPING ME OFF AND GARNISHING MY WAGES SOUTHFIELD MICHIGAN

   I purchased a 1995 chevy blazer from a local car lot.  I paid 5000 down and still owed 5000 this was in December 2000.

I went through Credit Acceptance Corporation.  At the end of June 2001 I called and told them to come and get it.  They did. It was on my credit report for the longest time that it was a voluntary repossesion.  They picked it up the first week of July 2001.  I never heard from them again until this past month.  They are now garnishing my wages.  I called the attorney that is handling it for them and they insisted they served me with papers in Oct. 2008 and that the balance owed at the time of repossesion was a little over 3000 and now it is over 12000.  I never received any paper work to go to court or anything telling me about a court date.  It has been 15 years.  It isn't even showing on my credit report anymore.  Can they do this?