If you are cheated with such a loan, and you can not ignore this option, because you need to be extremely careful when you sign something. And here other people do it and you can't control this process. So, in an extreme case, one way out would be to resort to companies that are engaged in debt consolidation, I at one time helped to get out of debt, but I want to say that even here you need to be careful, because recently I ran into apply. credit9.com, and realized that even here you can try to cheat, so I advise to be careful.