Hey devon this is daniel allen. Don't know if u rebmmeer me but I used to play drums in a band with u when we were like 17-18. We practiced in my bedroom.jimmie played bass.faceplant rebmmeer. Anyway just read about your accident in thrasher.I'm so sorry to hear that.its great your alive though.give me a call sometime.Dan A lot of these companies have the same onrews and underwriters. Sounds like you are already in over your head. These are designed to put you in a trap that will be very hard to recover from. Pay off your first loan ASAP and never get one again.