<prompt> Human: I realize theres nothing to be done and that he should have examined the fine print or even the not-so fine print. Hes older and not a native English speaker. Hes also the type that has a lot of faith in American business practices and fairness. While I think its completely fair, hes having a little trouble understanding that even though hes been paying on time with a little over minimum each month, he now owes 750 in addition to the amount hes paid so far.Anyone else experienced this? Any way to negotiate with the creditors?If you get nothing else from this post, please remember to mark your calendars when you sign up for these kind of deals. Most, if not all, of you know better, but life sometimes gets busy.  <response>: He did exactly what they wanted him to do. You can always ask. I expect theyll say no. 