<prompt> Human: My mom took a loan out a while back6-8 months ago and I have been paying it for her since. She called the loan company to see where her balance was and apparently it was still at the initial amount. They told her that all her payments are going towards the interest and the only way to pay of the initial loan is to pay it in full in a one time payment. I feel like we are being hustled and want to know if we can do something about it.If we cant then lesson learned. The company is called loan me I believe.Update: She signed a contract for a personal loan at 135 interest. I am now looking into a bank loan to pay the amount in full and get away from this company.  <response>: A close family member of mine had a very similar situation with a car title loan company.Long story short, she ended up going down there and asking, politely to speak with the manager and calmly, and collectively avoid any unnecessary drama, cooler heads prevail told them that they can either settle for a lesser amount right then or they could send her to collections and never collect another cent.She had already paid over 80 the original balance in interest alone and in the end walked away settling for 3k that day on a remaining balance of 8k.You may have luck trying to negotiate the balance down, theyre in no obligation to comply, but worse case scenario they either call your bluff or you walk the hard line and they get nothing. Best case, you get out of a mess and save some money in the process. 