We have banked with the credit union for several years, and financed autos with them. We filed bankruptcy in 2008 when our business failed, but reaffirmed with the credit union. Our payment record is perfect. We have a Mazda and Honda financed with them, and sold the Honda to reduce our debt. The credit union cross collaterized the loans, and won't release the title on either vehicle until they are both paid off. We are being held hostage by the credit union. Their VP of Lending (Jason Halpren) agreed that they are holding us hostage, but will not take any action to assist. An amendment to the agreement with two signatures is all it takes, but they would rather have us pay as much interest as possible. Hugely bad practices...we're indentured!