Avoid at all costs! My wife lost her job. We contacted this bank to work out a payment arrangement (which we honored) that covered the interest, late fee, and paid a small portion on the loan itself. After some time, the office from Buffalo harrassed me at work (during a crisis no less) and was told to speak to my wife. She then turned this account into a personal vendetta coming after our property. They have stopped honoring the payments made to them so they can rack up more interest. They are instead deducting their lawyer fees from the payments to try and take my property. Don't just avoid this bank, run in fear!