In short we have a personal loan for $20,000 which was taken out at the insistence of HFC when we refinanced with them. Our payments were $426. My husband became very ill and unable to work. I asked if we could settle the loan and pay it off. They made an offer and when I did not agree to the offer within the week they gave me they refused to honor the offer.
My husband was very sick and I was trying to borrow the money for the settlement. I got back to them as soon as I could. They refused to help and gave my account over to the law firm of Girvin and Perlazzo. The also put a judgement against. They told me if I did not pay at least $450 a month they would garnish my salary for probably $800 a month. The $450 a month was more than my original payments of $426 a month. I can't afford this and have begged HFC and the law firm to help. They have refused. To top it off the $450 a month is good only to October. After that they can raise it more. Most of the payment is going to interest. I can never win and can't afford this.
They give me no help and no choices. I'm sunk with this. I have written to the CEO Brendan McDonagh and I'm waiting for a response.
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