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We grew to accept Citibank as a detestable Moloch that we feared and hated, but were made to worship

A fter the dust settled on the collapse of the economy, on my family’s lives, we found ourselves in an impossible situation: we owed more each month than we could collectively pay. And so we payday loans without checking account in Melville, LA wrote letters to Citibank’s mysterious PO box address in Sioux Falls, South Dakota, begging for help, letters that I doubt ever met a human being. The letters began to comprise a diary for my father in particular, a way to communicate a private anguish that he mostly bottled up, as if he was storing it for later. In one letter, addressed Dear Citi, he pleaded for a longer-term plan with lower monthly payments. We were not asking, in the end, for relief or forgiveness, but merely to pay them an amount we could still barely afford. This is an appeal to Citi asking you to work with us on this loan, he wrote to no one at all.

He described how my mother’s mounting medical bills, as well as Chase Bank’s collection on our foreclosed home, had forced the family into bankruptcy, which provided no protection in the case of private student loans

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Finally, at the beginning of 2012, my father started writing to the office of Congressman Joseph Crowley, who represented the district in the Bronx where my parents had relocated. Continuar leyendo: “We grew to accept Citibank as a detestable Moloch that we feared and hated, but were made to worship” →