Household Finance Corporation - Christopher Wallace 6/21/04 loan $17,780 paid $13,106 as of 7-14-07 Bal:$19,783.08?? 3 years later? Rochester New York

Date of original June 21,2004 amount $5,000.12 w/interest: total $8,805.60. Made 3 payment of $146.76, balance $8,365.32. Refinance loan 10/28/04 $12,758.88. Interest deducted from 1st.loan $3394.20.$4,971.12 from 1st. loan plus $12,758.88 total new amount:$17,730.00 plus $50.00 annual fee and Life Insurance grand total:$18,050.18. with monthly payments of:$394.00.

Total amount paid in 2004:$400.00..cash advance $200.00
Total amount paid in 2005:$4763.00..cash advance $200.00
Total amount paid in 2006:$4883.00..cash advance $1650.00
Total amount paid to date July 14,2007: $$3060.00...cash advance $250.00

As of my balance last payment statement:$19,199.77

After paying back for 3 years $13,106.00 on a $18,050.18 loan?

This is NOT right! At this rate, I will never pay this loan off or be forced to file bankrupcy. I'am retired on a G.M. pension and worked all my life just to be ripped-off by this company? PLEASE, please help me.

Thomas
Rochester, New York
U.S.A.