I had to have my car financed with this company because I had just divorced and had no credit. I have paid on it for one year and my balance is higher now than when I first started paying on it. I have never been late on a payment, but because I changed jobs, I phoned them to ask if my due date could change. They were extremely rude and told me "no" and that I would accumulate $4.50 per day in late fees for every day my payment is late. Is this legal? I don't understand how anyone can ever pay them off.
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