Your situation is complicated. You are going to need an attorney to go over all of your documents to figure this out. I would suggest getting this dealt with before the rest of the members try to take you to court. Have you browsed through the information in LawInfo's Free Legal Resource Center to learn more about your issue yet? See: http://www.lawinfo.com/consumer.html. You should certainly try to speak to a lawyer to determine what legal options may be available. In the meantime, you may be able to learn more on your own. Search the "Free Legal Resources" tab, or browse the Consumer Resources. Good luck.