My husband has been laid off work for the first time in 30 years. We had one and ahalf years to go to pay it off. we contacted for, we let them know what was going on.we even tried to refince to get our payments down to make it easier. but the said they said they couldnt do that because he wasnt working. IF HE WAS WORKING WE WOULDNT NEED TO REFINANCE. is what is sad is they have the Goverment to bail them out . We dont. All i have to say if they get in trouble and need another bail out I hope the goverment say SORRY THERES NOTHING WE CAN DO. read full review »