<prompt> Human: Hey everyone, I hope I can get some insight here on my predicament. Let me elaborate:I have the rest of my car payment of 1,999.10 on my Honda civic which doesnt even work anymore through a financing company. I regret doing business through them because my interest is 32. My younger self was dumb and now Im paying the price, literally. However, the last check I submitted to them was worth 150, yet it only took off 13.39 off my unpaid balance. Thats 136.61 that they charged me in interest! I keep trying to get a hold of the finance company but they are really hard to reach. I assume they can get away with it because of whatever I signed and I didnt read the fine print. Still how in the world is this legal?!edit: Thanks everyone who is giving me positive advice on what to do. A little more info on the payment, I am living in Oregon right now, and I bought the car about a couple years ago. And yes I shouldve read the contract before signing anything but we all make some dumb mistakes, this might be the dumbest one Ive made and now I know better for next time. I was overpaying by about 100-175 dollars all last summer and then I took a break for a couple months because the well dried up so to speak. When I first started making payments the interest was about 7.  <response>: Without more information its difficult to say how much interest you should be charged. I assume they can get away with it because of whatever I signed and I didnt read the fine print.Theyre not getting away with anything; theyre fulfilling the contract you both signed. This is a great example of why you should read the fine print of anything you sign. Still how in the world is this legal?!Maybe it is, maybe it isnt. We dont know the answer and nobody here can give you legal advice. Different states have different laws and regulations on lenders, and often the maximum rate that can be charged depends on the state where the lender is not where the customer is. I recommend contacting your states attorney generals office for more information. 