First, I borrowed from citifinancial only $3000, I already paid them for 6 months with $150 per month so far then I asked someone to consolidate for me. to open the balance from citifinancial I owed them $6800. When they consolidate with mbna and capital one. These banks are good to list the amount very honest I owed mbna $10K so my balance $10K to open with consolidate and capital one I owed them $7K they open the balance $7K and they dropped off for me from 10% to 1% interests. Citifinancial I owed them $3K to open the balance $6800. If people borrow money from citifinancial, I suggest borrow a lot and a lot from them then you should declare bankruptcy rather they have no human, they are still robbed you even though you are in difficult situations. I was thinking to return people money at least I feel right to do. But to Citifinancial, they do not understand, you should not need to understand for these people. They are evils. Capital One is one of my best bank in my life. If I do not pay back money for Capital One even though 1% of their interests and MBNA, I am really feel really bad. Let's someone to consolidate is also one of the worst things in my life too. They charged 10% annually fee that I didn't know and charge $1K to do paper work. If you are in difficult situation, you can consolidate for yourself if the bank not polite to you in your difficult situations you have a right to do declare bankruptcy only take you up to 7 years but you will not be stress with money you must pay monthly. If you say you are going to declare bankruptcy they are scared like hell. No one pay them money back they will be in trouble. They rather get money back without interests or they would lose all the money? Which one would they refer? Money back or lose all? Logically the answer they would need money back. You must be firmly and strongly. Hope this is help to other people who are in debts like me and difficult situations like me, no job, no house, no life. Have a great day, people.