<prompt> Human: I know this is probably a reach with this being personal finance, but I think theres a TON of helpful advice in here and part of finance is debt, debt management and reducing debt. So hopefully enough people have experience in here!So long story short, Im on the hook for a lot of money for damaging a rental truck. Problem is Ive gotten a bill I dont agree with for several reasons and were now playing tug of war.My issues with the bill Occupancy is assigned as 100 on the truck, meaning for the 15 day repair they are assessing 15 days of lost revenue. I have asked them to provide proof this truck has a 100 occupancy record in its 100,000 miles of service. They have refused. A quick search indicated average occupancy rates at 55-70. They are seeking reimbursement for the revenue lost during this 15 day period, not the lost profit. A quick search indicated gross margins at about 30. This takes a 1575 loss of use bill down to about 300 in lost profit. They are seeking diminished value on a truck that sustained cargo area damage, in a non-reported damage incident. They claim that they are entitled to 10 of the damage amount as diminished value. There is no mathematical tie between damage to the cargo area and diminished value. Loss of value is a market function unrelated to the size of repairs. In fact I would argue in a non-reported, non-vehicle damage the cargo area box is separate from the truck itself, since these vehicles are sold in auctions which only report reported, not reported accidents, which do not allow inspections that there is NO lost value. Zero. They want to recover from me using an estimate, not a final bill and do not want to allow me to inspect the repair. My concern here is being billed for XYZ services, when the truck only needs YZ.What Id like to do is have a court decide these matters and bills be finalized before paying. But also dont want to be put into collections.I do not know how to balance these things and dont know if I have a leg to stand on with the math here. It has always been my understanding that parties only have a right to be made whole, and not exceed their losses.The math here seems to indicate they are exceeding their losses. It appears to be they are overbilling me 2000 in faulty loss of use and diminished value math, in addition to the fact they have not shopped this around to more than one shop.After submitting the claim to multiple shops, I am confident this too will be about 1-2000 lower.I am self employed and this was rented personally. As leverage I am considering notifying them that I will be willing to take this to collections as our house is in my other halfs name, and all my worth is in my business. I understand they can still force me to garnish my wages, but Id rather pay this out over several years than up front here obviously.Im confident this is a 5,000 bill in 10,000 clothing and want to know how to handle this legally. This company has been super shady and its a total nightmare.Every dollar I have to give them is a dollar I cant invest in my business. Every day earlier I have to pay this has the same impact. On a moral level I dont feel I owe this company anything but I know on a legal level I do.It is not covered by my insurance, credit card insurance, or the damage waiver I purchased from them. Even thought I asked to be fully insured. Its my fault legally, but from an ethical standpoint this is total bs.  <response>: Talk with a lawyer.rLegalAdvice for unofficial advice from people on the internet 