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is it good idea to have refiance or leave it alone?
My husband started missing his payment bill due to his budget not enough to pay bill. He refused to refiance his loan with bank because he can't afford more. He think that bank of course will not understand and care about expect you pay bill on time. It doesnt matter, if you dont have enough money to pay. How can I solve this? i don't want to see him drain with money since he is on bad credit.

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