i am fully aware of when we signed papers, to have a laon, it needs to be paid back. but the way the economy has been going its really bad. do you really think people dont want to pay their bills. i have been trying to get them to work with us for ayear. i work 3 jobs and my husband works a 50 hour a week job on salary. neither one of us has had a raise in 2 years. i called them even before we were late to let them know, we awere having hard times. they said we cannot help you until your 3 months behind, so we got 3 months behind and they set... read full review »