For focks whose got loans from citi financial. Here is your simple solutions,

1) ask them more money as much as possible. Give it to your relatives or close friends to you.
2) ask a lawyer to declare bankruptcy no need to return any cents to them. Effect your credit history that's ok better work for nothing to pay them interests. Your mind is clear now? You owed credit cards you pay interest forever. They play game with you, you play them back.

or else

You are going to cry from the loans that you owed them. A lot of hidden fees and interests there!

hopefully this helps you guys to go next future!