Etotheron, I am from California and those are the step that I am planning to take. As a matter of fact, I have made contact with a consumer advocacy group and emailed ARDA last week. I am planning to file an IC3 as well. DRI does not seem to give a damn though. maybe if the FBI started paying attention, we may have a chance. I am considering an attorney but not sure if I should just default the loan balance and take the hit on my credit. Let me know how your fight go.