Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Lawyer help: what's the worst that can happen? - I took out a business loan for 10grand and a personal loan for 7grand BOTH from my wells fargo bank. I'm having trouble paying it back and these collectors are telling me that they will get their lawyers and take me to court if I don't pay it back. I agreed to make monthly payments instead of a lump sum because I do not have the lump sum. I've been paying them back for 2yrs now. I missed one payment from both loans and both collectors said We're glad you called us back because your claim was ready to be overlooked by our lawyers...blah blah -