yes, I am stuck with the consequences. so what your saying is that's the way things are in the USA today so roll with it. Do not trust anyone, have no faith in being treated ethically whether they appear to be sincere or not. That there is no consumer protection against being exploited. I should just pay $10,000 for nothing because I made a mistake. If you really want a lesson on how things really are in the USA today take 20 minutes of your time and go to "Humans are free" The complete history of the house of Rothschild, spend more time reading the hyperlinks and if you don't believe it thats what they are counting on. I am not trying to get out of my obligations or do anybody wrong, that's not my nature, I just think I am being treated unfairly and wish to remedy it. I want to stand my ground and not get trampled down by laws and rules that only benefit the rich.