User talk:Kathy987

I don't know how many people this will reach. I am 100% disabled, permanent and total disabled veteran. My husband took out a pool loan. The pool company, that is now out of business, had me cosign the loan, which I did NOT want to do. Time passed, my husband left me due to my disability. They were sending the bills in his name and somehow I lost track of paying it. He had originally borrowed 20,000.00 for home improvement. In the process, the loan was down to 17,000.00. Finally, when they called, I could only afford a 50.00 a month payment rather than 200.00 as my daughter and three grandchildren are living with me with no additional income.

This past two weeks, I have been dealing with them. First, I talked to Cheryl, in the executive office and she offered options, such as loan forgiveness, modification or some other payment arrangement. She called me back and told me to go through loan modification. Loan modification said the account had already been charged off and was not active. So, they charged off the loan, but the same company is billing me for it...???? Something not right with this already.

They informed me if I died that I would not be responsible for the loan. I have PTSD. Do you know how many veterans commit suicide due to this disabling disease??? I brought that up a week later to a representative and I asked if I swallowed a bottle of pills today, my loan would be gone????? No, they didn't want me to do that!!!

Only two options they gave me was to pay 10,000.00 cash or pay 150.00 a month. I told them I couldn't do that so they have referred me over to litigation and I am not even late at this point. What kind of bank does this?????

I am not the originator of the loan. He is working. They have all his info on file, including where he works as it was on the application for the loan so I do not understand why this company is going after me.

If anyone has any advice, please help!!!!