Since I've been out on disability I've had a lower income, and difficulty paying some financial institutions. Every bank but one made payment arrangements. They refused to lower the payment even temporarily. They normally give customers three chances to get right, but refused me on a second attempt. I asked for help in August 2013. I had two credit cards, a small loan, and a line of credit they put into a loan of $12k. I faxed them my loan docs, and they lost them, and then accused me of not sending them, and told me to go to a branch to sign them. I sent my proof of income (only SSD), however they also asked what my health problem (my disability) was, and wanted a letter from my doctor. They claimed it may help me. I'm upset, and don't know what to do.