GreenPoint Credit deferment of payments Internet, Tennessee

I purchased a mobile home from Bank of America, FSB in August 1997. It was later transferred to GreenPoint Credit, and then to a third company. Over the course of my loan with the three companies, I had deferred a total of 15 payments. I received a statement my monthly statement in the mail in June for my July payment. On the statement, it stated that my principal balance was x amount, and above that, it stated Corporate Advance Balance of almost $5,000. Upon calling the current company to find out what the Corporate Advance Balance was, they told me it was where I had defered the payments, and that I still owed almost $9,500 to pay this loan off within 30 days. Also, they told me that it all had to be paid by August 2013. I understand that I would have to pay the additional months and that there would be extra interest added for the deferred payments, but how in the world could i still owe almost $10,000. They also told me that when you defer a payment, that does not mean that it adds those additional months to your payoff date. How in the world could I still owe that much? I understand that I had deferred these payments, but still. It's not like I borrowed a million dollars. I only borrowed $20,000, plus the interest. Jeez.