Absolutely right! Empire & Wells Fargo are legal thieves. The whole transaction was a nightmare since the beginning. We were supposed to pay $3, 000 for 2 mid and 1 small bedrooms. The day of installation we were told that the seller made a mistake on his budget and that we had to pay $1, 000 more. Seller was totally careless. We didn't cancel because the carpet was off already and the installers were very nice and concerned. Then, on the 12th month Wells Fargo charged us $1, 109 on interest, and since then is charging us $77.20 out of $149.56 every month, so we'll end up paying more than $5, 000. My advice DO BUSINESS WITH ANYONE ELSE BUT WITH THESE THIEVES