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I did the math. $163,000 against them if this goes to court. Plus the state Attorney General could look into them alot further and find other charges. I'm just asking them to: 1) State that I own the trailer/ sign over title. 1) Reduce what I owe on my home to $10,000 2) Accept the $430/mo payments that was originally agreed to and signed 3) $20,000 Lump sum or in $1675 monthly payments, no home payment credits.