Hello how may I help you? Hi I have a question about my late fees I can help with your late fees Awesome. From what i know i have $800 in late fees. Is there any way that can be erased? No, there is no way to erase your late fee, it must be paid darn, i'm unemployed atm, and really can't afford that. are there any options for people like me? No, I'm afraid we cannot make exceptions Is there maybe a refinancing program? No, there is no such program alright i guess that's all for now Okay. Good bye