Affiliate Marketing Secrets

A year ago, I sold a car to someone who never returned my license plates. Then a few months later USAA sent me a letter saying that I was at fault for a car accident. I was scared, and realized that this woman had gotten a hold of my license plates and got in a car crash and the cops didn’t run all the info all the way through.
I had filed a report about the stolen license plates but I never got a chance to get the actual police report and they had a hard time finding it without the number they wrote on a card for me. Well I got the registration for the car the license plate belonged to and sent it to USAA to finish it out and they said they were good and that the woman who actually was in the accident wanted to accept full financial responsibility.
Recently the financial department from an insurance company that was affiliated with USAA has been coming after me since the woman hasn’t payed recently. Can they still do that?
The dept. of safety in my state sent a letter to me saying:
” We have recieved a release submitted for the crash that occurred on SEP 1, 2011.”
Can I get out of this and doesn’t the letter from the dept. of safety mean that I am no longer responsible?

Which story/plot do you feel fits my characters the best?
Characters:
Nathan Age: 20
Physical: 5’9″ lean, sculpted with a tattoo on his left arm/shoulder, dark brown hair, dark brown eyes, tanned
Info about him/back story: He was the bassist for a semi-successful metal band. They toured for 12 months after putting out an album. Their label dropped them due to lackluster sales. They finished their concert dates and then called it quits. He doesn’t know what to do with himself now, because that is all he ever wanted to do.
Joan Age: 18 (Nathan’s love interest in all of the stories)
Physical: 5’5″, sun streaked long brown hair, exotic brown eyes, curvy but toned build, golden complexion
Info about her: Dad was in a very successful band but he was killed in a car crash when she was 5. She inherited his love of music and plays both drums and guitar. She started an online clothing business with her two best friends a year ago, and it has been a modest success. They make their own designs and print them on everything – clothes, hats, bags, purses, etc. Very independent and doesn’t want her dad’s old friends to be the reason why she’s successful.
All story/plots take place after his band’s last concert.
Story/Plot #1
Nathan moves to town to stay with his aunt. Meets Joan at his new job working at a music store. He was always obsessed with making his music better, now he has learned just to enjoy music for it’s own sake. Plot: When his band gets back together, he has to make a decision. Does he give up the new life he has built for himself (which includes his relationship with Joan) or does he try to reach stardom one more time?
Story/Plot 2
Nathan comes back home – feels like a failure. His dad was very mad at him for going in the first place, and will not let up on him. He pressures Nathan to take more responsibility in the family business and go back to school. Plot: He reunites with his band, but this time Joan is their manager. Her online company designs and markets band merchandise and her connections to the music world from dead dad’s friends give them a much needed boost. His dad is really mad that he’s back to the same old loser lifestyle and not helping out with the family business like he should. They have a huge fight. The next day his dad has a massive heart attack and might not live. He feels a massive amount of guilt and feels like he has to choose between two paths. Does he go ahead and go through with the band, or does he give it all up to be there for his family?
Story/Plot 3
Nathan is looking for a new direction in his life. But while he figures that out he moves in with his best friend and band mate Caleb. While they were on the road, Caleb’s uncle died and left Caleb his house in his will. They finally go check it out (his family took care of it while he was on the road). Joan lives next door. Plot: They find a huge stash of money in a secret compartment in the bathroom cabinet. They don’t tell anyone and spend a chunk of it. The FBI shows up because the money was “marked” money from a bank robbery and think they stole it. They have to clear their name.
Story/Plot 4
Nathan’s mom has been in a coma for the last two years as a result of a car accident. Shortly after he gets back home, she dies. He was going through her papers to try and figure out what to do when he comes across a letter from his dad (who has never met). In the letter his dad was begging his mom to let him come to visit, before it was too late. Late for what? He tossed the letter aside – his dad never took an interest in him before, and he felt like it was too late for them to have a relationship now. As he gets closer to his 21 birthday, he starts having weird pains and cravings for meat.
Plot: He is a werepanther. Werepanthers don’t shift for the first time until the guys are 21 and the females are 18 (when they reach their maturity). His dad arrives before his shift and takes Nathan to his home. There are different clans and different types of weres. His dad’s clan is going through an uproar because the old clan leader died, and now the most powerful were is an 18 year old girl – Joan. Their culture dictates the most powerful were is the leader of the clan, but they rarely have clan leaders that are women. The culture also dictates when the clan leader is not mated, they have to have one or all of the unattached weres of the opposite sex will compete for them. And the next powerful were is a real bad guy, so she must pick someone before the clan erupts in violence.
Which do you think is best? Or if you didn’t like any of them, what changes do you suggest?