[lizbeth4]

Hi Laura, Your credit score determines the interest rate you will get. Mine is low so my interest rate is going to be high. Yes, you are using your home as collateral. I don’t trust myself to do that!!! Yes, I have put myself in this position because of my gambling I haven’t lost sight of that. A big deterrent to not gamble again. There are bad implications in giving my vehicle back to the loan company. I’m going to try to work with them again today. I feel like I’m not being complacent in working out my problems. I’m not giving up. I’m trying to find a more manageable solution. There is no quick fix. It took time to get in this position and it will take time to repay everything.