She did not own the car: she was leasing it. In early summer last year timetosave said her lease payments were $490/month and that she had 24 months left on the lease. $490 X 24 = $11,760. That might explain the $11,000 she was owing now.
Timetosave, a blogger here two days ago described how helpful Debtors Anonymous has been for her. Maybe that is some thing you could look into. I don't have any advice on persuading the company you owe to settle for less. They already agreed to a settlement and you didn't come through on that promise.
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