AMERICAN GENERAL FINANCE 48 payments my @#$5^%$$# Internet, Internet

It's called an amortization rate, it's totally legal and all financial institutions use it. However your interest and such seem very wrong even if you were 30 days late it wouldn't be .90 cents to principle. I would check your contract and have them explain it to me.

here's a calculator.http://www.bretwhissel.net/amortization/amortize.html calculator

But unless they broke California Law you are going to lose terrible and if you have a w2 job it will be directly deducted from your paycheck plus attorney fees and then court fees. I would look into seeing if they broke any laws with harassment knowing american general they usually have good mid tenure employees who don't break the law, but it's funny that their older employees and newer employees always break the harassment law.

Enjoy your day in court while they further ruin your already bad credit...