Ally Auto Finance Ally financial SCAM ARTIST TARGETING DIVERSE COMMUNITIES Detroit Michigan

 "YOUR RACIST SUGESTIVE REMARKS WILL BE REPORTED TO THE ACLU." Which will educate you on America's excellent Freedom of Speech protections.

 Do not use ally financial they are scam artists. Look at reviews of this looser company before financing anything with them. Unethical unprofessional racist arrogant company buyer beware

Are you one of the overcharged African-American, Hispanic, Asian or Pacific Islander customers that obtained a loan from Ally Financial or Ally Bank between April 2011 and December 2013? If not, then the settlement is not relevant to your case.

YOUR RACIST SUGESTIVE REMARKS WILL BE REPORTED TO THE ACLU. STATING MY INTRREST RATE IS PROBABLY EVEN HIGHER NOW WHAT ARE YOU SUGGESTING??????? THIS IS EXACLTY WHAT THE ATTACHED  COURT DOCUMENT EXPLAINS THE ARRONGANCE AND  DISCRINMATORY LENDING YOUR REPONSE IS A PERFECT TESTAMENT TO HOW THIS COURT DOCUMENT, AND WHAT I HAVE BEEN STATING ALL ALONG.

BY THE WAY THE LOAN WITH ALLY IS PAID OFF IN FULL I DROPPED YOUR INCOMPETENT COMAPNY LIKE A BAD HABIT AND WENT OVER TO CAPITAL ONE WHICH A MUCH BETTER RATE. ALLY IS A BOTTOM OF THE BARELL LENDER WITH ILLIGIMATE PRACTICES AND YOUR REPONSE AND THIS ATTACHED DOCUMET IS A TRUE TESTAMENT TO WHAT IVE BEEN DEALING WITH. 

ALLY IS STILL FAILING TO TAKE RESPOSBILTY FOR ITS DECPTION. WERE YOU THIER AT THE TIME THE LOAN WAS SIGNED NOO DO YOU KNOW THE HISOTRY OF PROBLEMS I HAVE HAD NOOO. ALSO BELOW FIND THE DISTRICT COURT DOCKET WHERE ALLY WAS FOUND GUILTY OF DOING EXACLTY WHAT I AM STATING. THE INTREST RATE WAS NOT REFLECTIVE OF MY CREDIT AND WAS INFLATED. PLEASE VIEW THE BELOW DISTRICT COURT DOCUMENT AND EDUCATE YOOURSELF BEFORE YOU SPEAK. ALLY HAS BEEN PRACTICING DISCRIMINATORY LENDING PRACTICES IN THE PAST. ALSO ALLY REFUSES TAKE ANY RESPONSIBILTY FOR THIER WRONG DOING. ITS ALL EXUSES AND LIES NO WONDER ALLY HAS A 1 STAR CUSTOMER REVIEW/SATISFACTION RATING I AM NOT THE ONLY ONE WHO HAS BEEN BURNED. BOYCOTT ALLY 

1
IN THE UNITED STATES DISTRICT COURT
EASTERN DISTRICT OF MICHIGAN
SOUTHERN DIVISION
UNITED STATES OF AMERICA, )
)
Plaintiff, ) CIVIL ACTION NO.
)
v. )
)
ALLY FINANCIAL INC. )
and ALLY BANK, )
)
Defendants. )
_____________________________________________)
COMPLAINT
1. The United States of America brings this action against Ally Financial Inc. and
Ally Bank (collectively, “Ally”) for discriminating against thousands of African-American,
Hispanic, and Asian/Pacific Islander borrowers across the United States who have obtained loans
from Ally to finance automobiles. The discrimination is caused by Ally’s policy and practice
that allows dealers to include markups in the interest rates on automobile loans in a hidden
manner not based on the borrower’s creditworthiness or other objective criteria related to
borrower risk. The United States brings this action to enforce provisions of the Equal Credit
Opportunity Act (ECOA), 15 U.S.C. §§ 1691-1691f, and its implementing regulation, Regulation
B, 12 C.F.R. Part 1002.
2. Between April 2011 and the present, this system caused approximately 100,000
African-American borrowers, 125,000 Hispanic borrowers, and 10,000 Asian/Pacific Islander
borrowers to pay Ally higher interest rates for their automobile loans than non-Hispanic white
(“white”) borrowers because of their race or national origin and not based on their
creditworthiness or other objective criteria related to borrower risk. The average AfricanAmerican victim was obligated to pay over $300 more during the term of the loan because of
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discrimination, and the average Hispanic and Asian/Pacific Islander victim was obligated to pay
over $200 more during the term of the loan because of discrimination.
3. Ally is one of the largest automobile lenders in the United States. In 2012, Ally
was the leading funder of automobile loans through franchised dealers in the United States
among lenders not owned by an automobile manufacturer. Since April 2011, Ally funded nearly
three million loans through over 12,000 automobile dealers nationwide. During the first nine
months of 2013, Ally funded more than $20 billion in automobile loans. Ally Bank is also one
of the nation’s twenty-five largest banks, with more than $90 billion in assets.
4. Ally sets an interest rate for each loan it approves based on the consumer’s
creditworthiness and other objective criteria related to credit risk. From at least April 2011 and
continuing to the present, Ally has maintained a specific policy and practice that allows
automobile dealers to then mark up that risk-based interest rate in ways that are not connected to
the consumer’s creditworthiness or other objective criteria related to borrower risk.
5. Ally typically retains a portion of the profits earned from this interest rate markup
and pays the remainder to dealers. As a result, Ally’s policy and practice creates financial
incentives for dealers to mark up borrowers’ interest rates above those established based on the
consumer’s creditworthiness or other objective criteria related to borrower risk.
6. From at least April 2011 and continuing to the present, Ally has not provided
adequate constraints or monitoring across its portfolio of loans to prevent discrimination from
occurring through charging markups despite knowing or having reason to know that its policy
and practice of allowing dealers to mark up consumers’ interest rates creates a substantial risk of
discrimination. Ally conducted no monitoring of markup disparities until March 2013, and its
monitoring since then has been entirely inadequate.
7. As a result of Ally’s dealer markup and compensation policy and practice and its
lack of compliance monitoring, African-American, Hispanic, and Asian/Pacific Islander
borrowers paid higher interest rates for their automobile loans than white borrowers, not based
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on creditworthiness or other objective criteria related to borrower risk, but because of their race
and national origin.
8. The United States brings this lawsuit to hold Ally accountable for its serious
violations of law and to remedy the substantial and widespread harmful consequences of its
discriminatory lending policy and practice.
9. This Court has jurisdiction pursuant to 15 U.S.C. § 1391e(h) and 28 U.S.C.
§ 1345. Venue is proper in this District under 28 U.S.C. § 1391.
PARTIES
10. The United States is authorized to initiate a civil action in federal district court
whenever a matter is referred to the Attorney General pursuant to 15 U.S.C. § 1691e(g) or the
Attorney General has reasonable cause to believe that a pattern or practice in violation of the
ECOA has occurred. 15 U.S.C. § 1691e(h).
11. Defendant Ally Financial Inc. is a bank holding company, incorporated in the
State of Delaware with a principal place of business in the State of Michigan. Ally Financial Inc.
was known as GMAC, Inc. until 2010. As of September 30, 2012, Ally Financial Inc. had $151
billion in total assets, and it is subject to examination by the Consumer Financial Protection
Bureau (“CFPB”).
12. Defendant Ally Bank is a subsidiary of Defendant Ally Financial Inc. Ally Bank
is chartered by the State of Utah and has deposits that are insured by the Federal Deposit
Insurance Corporation. As of September 30, 2013, Ally Bank had $92.1 billion in total assets,
and it is subject to examination by the CFPB.
13. Both Defendants conduct their automobile lending in a coordinated and identical
manner, using common policies and practices.
14. Ally funds purchases of automobiles through a model known as “indirect
lending.” A consumer can use one of two methods to finance an automobile purchase: (1)
“direct lending” in which the consumer applies directly to the institution underwriting, setting the
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terms of, and funding the loan, or (2) “indirect lending” in which the automobile dealer submits
the consumer’s loan application to the institution underwriting, setting the terms of, and funding
the loan. In indirect lending, the loan takes the form of a “retail installment contract,” which the
consumer signs at the time he or she purchases the automobile. In turn, the indirect lender
purchases the retail installment contract from the dealer soon after the automobile sale on terms
set by the lender.
15. Although Ally has agreements with several automobile manufacturers to pay Ally
in order to subsidize some or all of the interest payments in order to boost sales of the
manufacturer’s models, the majority of Ally’s loans are made without such subsidies. Loans
made without a manufacturer subsidy are known as “non-subvented loans”.
16. Ally also has agreements with each of the over 12,000 individual automobile
dealers. These agreements established the terms under which Ally will fund automobile loans by
purchasing retail installment contracts from the dealers, including dealer compensation for
arranging the loan. These agreements specify narrow circumstances in which Ally can force a
dealer to repurchase a retail installment contract or reimburse Ally for loan default or
prepayment.
17. Ally’s agreements with automobile dealers specify that Ally will purchase only
retail installment contracts that are acceptable to Ally and at interest rates specified by Ally. As
part of deciding whether the loan is acceptable, Ally takes responsibility for determining the
creditworthiness of each consumer. Ally’s agreements also require dealers to provide consumers
with a disclosure that explains that their loan application is being submitted for Ally’s decision
on whether or not to purchase the loan.
18. Ally’s agreements with automobile dealers require that all loan applications they
submit to Ally must comply with the policies, conditions, and requirements that Ally sets for
dealers.
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19. Both Defendants are creditors within the meaning of the ECOA, 15 U.S.C.
§ 1691a(e), and Regulation B, 12 C.F.R. § 1002.2(l). Both Defendants regularly participate in
the decision to extend credit through taking responsibility for underwriting retail installment
contracts, regularly participate in setting the terms of credit by establishing interest rates and
communicating those rates to automobile dealers for inclusion in retail installment contracts, and
influence credit decisions by indicating to dealers whether or not they will purchase retail
installment contracts.
INVESTIGATION
20. In September 2012, the CFPB began an examination of the indirect automobile
lending practices of Ally from April 1, 2011 to March 31, 2012. The examination included an
evaluation of Ally’s compliance with fair lending laws and regulations in its indirect automobile
lending program.
21. The CFPB analyzed Ally’s lending policies, procedures, and internal controls,
including Ally’s dealer markup and compensation policy and practice from April 2011. The
Bureau also performed an analysis of Ally’s loan-level data on the automobile loans Ally funded
between April 1, 2011 and March 31, 2012 to test for lending discrimination.
22. After providing Ally with an opportunity to respond to the results of the CFPB’s
analysis, the CFPB determined it had reason to believe that Ally had engaged in a pattern and
practice of lending discrimination on the basis of race and national origin in violation of the
ECOA, 15 U.S.C. § 1691(a)(1). The CFPB referred Ally to the United States Department of
Justice pursuant to the ECOA, 15 U.S.C. § 1691e(g), and the December 6, 2012 Memorandum of
Understanding between the United States Department of Justice and the CFPB.
23. Based on the CFPB referral, the Department of Justice has engaged in an
investigation of Ally’s indirect automobile lending policies, practices, and procedures, including
reviewing Ally’s loan-level data on the more than 1.21 million automobile loans Ally funded
between April 1, 2011 and March 31, 2012.
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FACTUAL ALLEGATIONS
24. To determine whether it will fund a loan, and on what terms, Ally conducts an
underwriting process on each loan application submitted by one of its dealers on behalf of a
consumer. As part of the underwriting, Ally uses a proprietary system of credit scoring to assign
one of six credit tiers to the applicant, or applicants, receiving each loan it approves for funding.
25. From at least April 2011, and continuing to the present, Ally periodically sets a
specified “buy rate” for the loans it funds. Ally determines the buy rate for each loan based on
its current cost of funds plus adjustments to reflect the borrower’s creditworthiness and other
objective criteria related to borrower risk. These adjustments use a proprietary underwriting and
pricing model to account for the consumer’s credit risk, as reflected in the assigned credit tier,
and also consider whether the automobile is new or used and the length of the loan. The dealers,
but not the consumers, learn the buy rate. The buy rate reflects the minimum interest rate, absent
a special payment to Ally from the dealer, for a non-subvented loan that Ally will fund.
26. From at least April 2011, and continuing to the present, Ally has maintained a
specific policy and practice, reflected in its agreements with individual dealers, that allows
dealers to mark up a consumer’s interest rate above Ally’s established buy rate, and that
compensates dealers from the increased interest revenue to be derived from the markup . It is
Ally’s specific policy and practice to permit dealers to mark up the buy rate for reasons not
related to the borrowers’ creditworthiness or other objective criteria related to borrower risk.
Ally capped the dealer markup to 250 basis points for loans with terms of 60 monthly payments
or less and to 200 basis points for loans with terms of greater than 60 monthly payments or for
loans to borrowers assigned to the lowest two tiers of Ally’s proprietary system of credit scoring.
A basis point is a percentage of the total amount of a loan, with one hundred basis points
equaling one percent of the loan amount.
27. The ECOA limits the collection of self-identified race and ethnic data for
automobile loans. 12 C.F.R. § 1002.5(b) (prohibiting the collection of race or national origin
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data from a non-mortgage loan applicant, except in the case of a creditor’s self-test for ECOA
compliance). Information about the race and ethnicity of borrowers on automobile loans that
Ally funded can be calculated based on public data published by the United States Census
Bureau for the race and ethnicity of individuals with the same surname and for the race and
ethnicity of individuals living in the same neighborhood, using a process called the Bayesian
Improved Surname Geocoding (BISG) method. The BISG method builds on the fact that many
surnames in the United States are predominantly associated with a particular race or ethnicity—
especially for Hispanic and Asian/Pacific Islander individuals—and that many neighborhoods
are segregated by race and ethnicity—especially neighborhoods where African Americans live.
28. The BISG method is recognized by social scientists, statisticians, and economists
as a tested and accurate way to determine differences in experiences based on race or ethnicity
for large groups of individuals for whom self-identified race and ethnicity data is not available.
29. Statistical analyses of non-subvented automobile loans Ally funded through
purchasing retail installment contracts between April 1, 2011 and March 31, 2012, using the
BISG method to identify race and national origin demonstrate statistically significant
discriminatory pricing disparities based on race and national origin. Statistical significance is a
measure of probability that an observed outcome would not have occurred by chance. As used in
this Complaint, an outcome is statistically significant if the probability that it could have
occurred by chance is less than 5%. During the time period covered by the analyses, Ally funded
over 800,000 non-subvented loans, of which nearly 200,000 had African-American, Hispanic, or
Asian/Pacific Islander borrowers or co-borrowers.
30. During the time period covered by the analyses, on average, Ally charged
African-American borrowers more than white borrowers in interest rate markups not based on
creditworthiness or other objective criteria related to borrower risk. The disparity was
approximately 29 basis points for non-subvented loans, and it is statistically significant.
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31. These disparities mean that African-American borrowers affected by the
discrimination were obligated to pay, on average, over $300 more in interest than white
borrowers over the life of their loans not based on creditworthiness or other objective criteria
related to borrower risk.
32. During the time period covered by the analyses, on average, Ally charged
Hispanic borrowers more than white borrowers in interest rate markups not based on
creditworthiness or other objective criteria related to borrower risk. The disparity was
approximately 20 basis points for non-subvented loans, and it is statistically significant.
33. These disparities mean that Hispanic borrowers affected by the discrimination
were obligated to pay, on average, over $200 more in interest than white borrowers over the life
of their loans not based on creditworthiness or other objective criteria related to borrower risk.
34. During the time period covered by the analyses, on average, Ally charged
Asian/Pacific Islander borrowers more than white borrowers in interest rate markups not based
on creditworthiness or other objective criteria related to borrower risk. The disparity was
approximately 22 basis points for non-subvented loans, and it is statistically significant.
35. This disparity means that Asian/Pacific Islander borrowers affected by the
discrimination were obligated to pay, on average, over $200 more in interest than white
borrowers over the life of their loans not based on creditworthiness or other objective criteria
related to borrower risk.
36. From at least April 2011, and continuing to the present, in setting the terms and
conditions for the automobile loans it funds, Ally accounts for individual borrowers’ differences
in creditworthiness and other objective criteria related to borrower risk by setting the buy rate as
explained in Paragraph 25. The interest rate markups charged by Ally to consumers are separate
from, and not controlled by, the adjustments for creditworthiness and other objective criteria
related to borrower risk already reflected in the buy rate. No Ally policy directs dealers to
consider creditworthiness or other objective criteria related to borrower risk for a second time,
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after they had already been considered in setting the buy rate, in determining interest rate
markups. Accordingly, the racial and ethnic interest rate markup disparities described in
Paragraphs 30-35 are not adjusted for creditworthiness and other objective criteria related to
borrower risk.
37. For the reasons described in Paragraph 36, it is not proper to include factors
measuring creditworthiness and other objective criteria related to borrower risk in the statistical
analysis of interest rate markup disparities. Nevertheless, statistical analyses of Ally’s interest
rate markups during the time period covered by the analyses that control—both separately and in
concert through regression—for creditworthiness and risk-related factors such as credit tier,
new/used status, and loan length demonstrate a similar pattern of racial and ethnic interest rate
markup disparities, with the magnitude only somewhat diminished from the disparities described
in Paragraphs 30-35. Thus, accounting for creditworthiness or other objective criteria related to
borrower risk a second time does not explain the racial and ethnic interest rate markup
disparities, even if those factors were relevant to the subjective pricing adjustments measured by
interest rate markups.
38. The analysis described in Paragraph 37 that separately controls for which one of
the six tiers of Ally’s proprietary system of credit scoring to which Ally assigned the borrower
determined that Ally discriminates most severely against those borrowers it classifies as the most
creditworthy by its proprietary system of credit scoring. Ally had greater racial and ethnic
interest rate disparities for borrowers in the best credit tier than in any of the other credit tiers. In
other words, Ally’s most qualified African-American, Hispanic and Asian/Pacific Islander
borrowers with the least credit risk suffer the most discrimination.
39. Additionally, statistical regression analyses of Ally’s lending data that control for
multiple creditworthiness and risk-related factors such as credit tier, new/used status, and loan
length, also demonstrate that the racial and ethnic disparities in interest rate markup described in
Paragraphs 30-35 produced racial disparities, compared to similarly situated white borrowers, in
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the annual percentage rate of interest Ally charged that cannot be explained by creditworthiness
and risk-related factors. Thus, accounting for creditworthiness and risk-related factors does not
explain the racial and ethnic disparities in the interest rate paid by the borrower, even if those
factors were relevant to the subjective pricing adjustments measured by interest rate markup.
40. The higher markups that were charged to African-American, Hispanic, and
Asian/Pacific Islander borrowers for the subject loans are a result of Ally’s specific policy and
practice of allowing dealers to mark up a consumer’s interest rate above Ally’s established buy
rate and compensating dealers from that increased interest revenue.
41. Ally’s specific policy and practice of allowing dealers to mark up a consumer’s
interest rate above Ally’s established buy rate and compensating dealers for those markups has
continued from April 2011 to the present.
42. During this period, Ally has not required dealers to document reasons for
charging markups, it has not monitored whether discrimination occurred across its portfolio of
loans through charging markups, and Ally has not at all times provided detailed fair lending
training to its dealers.
43. Ally conducted no monitoring for lending discrimination in interest rate markups
before March 2013.
44. The fair lending monitoring system that Ally established in March 2013—after
receiving notice of the CFPB’s preliminary finding of discrimination—reviews for large interest
rate markup disparities only within individual dealers, and only for dealers from which it buys at
least five minority and five white loans during the previous six months. The monitoring program
does not review company-wide disparities across its portfolio of loans, and also misses many
sizeable and statistically significant within-dealer disparities. During the first round of reviews
under the program, Ally identified only 21 of its over 12,000 dealers with possible markup
disparities warranting further analysis, and it ultimately determined that only two dealers would
be subject to any corrective action. Those two dealers were subject only to voluntary education,
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which involves making the dealer aware of potential liability under the ECOA and providing
voluntary training regarding the ECOA.
45. Ally’s specific policy and practice are not justified by a legitimate business need
that cannot reasonably be achieved as well by means that are less disparate in their impact on
African-American, Hispanic, and Asian/Pacific Islander borrowers.
46. Ally knew or had reason to know that its policy and practice of allowing dealers
to mark up consumers’ interest rates creates a substantial risk of discrimination. Ally has not
taken effective action to change the discriminatory policy and practice or to identify and
compensate victims of the discrimination.
EQUAL CREDIT OPPORTUNITY ACT VIOLATIONS
47. Ally’s policies and practices, as alleged herein, constitute discrimination against
applicants with respect to credit transactions on the basis of race and national origin in violation
of the Equal Credit Opportunity Act, 15 U.S.C. § 1691(a)(1).
48. Ally’s policies and practices, as alleged herein, constitute a pattern or practice of
resistance to the full enjoyment of rights secured by the Equal Credit Opportunity Act, 15 U.S.C.
§§ 1691-1691f.
49. Between April 2011 and the present, Ally has charged over a quarter of a million
consumers nationwide discriminatory interest charges for automobile loans as a result of its
pattern or practice of discrimination and denial of rights as alleged herein. In addition to higher
direct economic costs, some of the victims of discrimination suffered additional consequential
economic damages resulting from having an excessively costly loan, including possible
increased risk of credit problems, default, and repossession, and other damages, including
emotional distress. They are aggrieved applicants as defined in the Equal Credit Opportunity
Act, 15 U.S.C. § 1691e, and have suffered injury and damages as a result of Ally’s conduct.
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50. Ally’s policies and practices, as alleged herein, were intentional, willful, or
implemented with reckless disregard for the rights of African-American, Hispanic, and
Asian/Pacific Islander borrowers.
51. The ECOA empowers this Court to grant such relief as may be appropriate,
including actual and punitive damages and injunctive relief. 15 U.S.C. § 1691e(h).
PRAYER FOR RELIEF
WHEREFORE, the United States prays that the Court enter an ORDER that:
(1) Declares that the policies and practices of the Defendants constitute violations of the
Equal Credit Opportunity Act, 15 U.S.C. §§ 1691-1691f;
(2) Enjoins the Defendants and their agents, employees, and successors, and all other
persons in active concert or participation with them, from:
a) Discriminating on the basis of race or national origin against any person with
respect to any aspect of their credit transactions;
b) Failing or refusing to take such affirmative steps as may be necessary to
restore, as nearly as practicable, the victims of the Defendants’ unlawful conduct
to the position they would have been in but for the discriminatory conduct; and
c) Failing or refusing to take such affirmative steps as may be necessary to
prevent the recurrence of any such discriminatory conduct in the future; to
eliminate, to the extent practicable, the effect of Ally’s unlawful practices; and to
implement policies and procedures to ensure that all borrowers have an equal
opportunity to seek and obtain loans on a non-discriminatory basis and with
non-discriminatory terms and conditions; and
(3) Awards equitable relief and monetary damages to all the victims of the Defendants’
discriminatory policies and practices for the injuries caused by the Defendants, including direct
economic costs, consequential damages, and other damages, pursuant to 15 U.S.C. § 1691e(h).
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 Yes I am and that’s is none of your business now you are racial profiling. The racism and targeting continues with your responses I will be expecting a swift resolution on this matter I have contacted legal counsel. Ally refuses to accept Any wrong doing or responsibility and your comments are a written testament to the i professionalism and lack of responseibilty that I have been dealing with all along not to mention the discriminatory comments. Now you are questioning my racial background???? Really ??

"Ally Auto indicated to my that they would refinance my outrageously high intrest rate"

An indication is not an agreement or a contract. Your dissatisfaction with the interest rate is a case of buyer’s remorse.

"they destroyed my credit when i refused to make payments"

Incorrectly stated. YOU damaged your credit by refusing to submit payments. A high interest rate of 17% indicates your credit was already weak at the time of the loan agreement. The interest rate on your next loan will be sky-high.

Ally is a bank, the only thing they do is loan the money to enable you to purchase the car.

Dealers will often tell people with bad credit that you can "refinance" after a certain amount of time, so that you will buy the car. Technically they are correct, but there is no guarantee. As for being sold a "Lemon". You didn't describe the car, but I would bet that it was a USED car and you bought it "As-Is". Unless you have something in writing that means that anything everything that goes wrong is 100% your responsibility.  If you have any issues with the car you need to take it up with the dealer.

But this has no affect on the loan. Regardless of the condition of the car, or even if you still have the car, you still are required to fulfill your obligation on the loan.  There is NOTHING in the loan that says you can withhold payments.

I do like how you state you told Ally not to dispurse the funds...like you actually have a say in that. YOU signed an agreement with the dealer to purchase the car, and Ally made an agreement to pay the dealer. Had Ally failed to dispurse the funds, they would be liable to the dealer. Not only that the dealer since they have your agreement to buy the car would come after you. You would still owe the money...just to a different company.

The only promise here that was broken was your promise to make your payments.

In the end the only one who destroyed your credit is you. But if all you could get was a 17% interest rate, your credit was already destroyed. But let me guess..that wasn't your fault either? Seems like you have a pattern of delinquency and trying to walk away from your debts.