Greentree Servicing Ripoff New Homeowners - BE AWARE Rapid city South Dakota

15 years ago my wife and I borrowed $20,000 from a company called Conseco Finance our payments were $393 per month and as new home owners we were excited to do some repairs with this home improvement loan.  To our surprise the loan was sold to Greentreev.  We have paid $393 a month for 15 years and still owe the exact same amount that we borrowed 15 years ago.  We have actually paid them $72,000 to date when we only borrowed $20,000.  We have tried to call them and their representative Adam H basically told us that they were putting a lien on our house and that if we couldn't afford the loan we shouldn't have borrowed the money.  

We tried explaining that we were down to one income due to a layoff and that we were calling to find out how we could get some payments deferred.  They were so rude my wife had a panic attack and I'm outraged!!  when we make our $393 every month only $40 goes towards the principle.  We only have 9 years left on our mortgage and this loan will still not be paid off!!! What a ripoff!!!  Basically because we are willing to not pay them without refinancing our credit score has gone down tremendously and we are not eligible!!! This is a predatory loan and I beg anyone reading to not do business with them if you are a new homeowner!!!