Well the company that i work for went out on strike and i called and asked some question and the told me that they couldn't help us out at all they told me to call the JP Morgan and try to refiance well this person that i talked to said that i should call them back and talk to a supervisor so i did and they to me that they can't help me out because i was on a fixed rate and the only way was to be behind on my payment and they would put me on a payment plan, Now would you want to put yourself in that situation i told them and they hung up on me and boy was i pissed, but what can i do with my credit not being very good i guess i just have to eat what they say???? Someone needs to get these people out of business. CAN SOMEONE GIVE ADVICE I know that i messed up i just need a little help and i didn't know it would be this hard. thanks j