Truck as colateral

Good gosh! That's totally ridiculous, is there anyway you can get a personal loan elsewhere at a better interest rate, then pay them off?!

if youre making good payments towards the account you might want to consider a balance transfer at 0% if its an option. your credit score sounds like it would allow you such an option.

Citi Financiall is part of Citi Financial. Yes I requested a lower interest rate, but they refused to as soon as I asked them over the phone!
They have had numerous court judgements in the past and have many more in progress in other states.
They are a predatory lender and it doesn't matter if the person is permanently disabled.

Probably not considered "predatory", as long as your state law allows them to charge 29.95%.

Go to another company like American General or Beneficial, and see if you can get approved at a lower rate; then have them payoff Citi and take your title.

Citi is notorious for high interest rates. They usually finance people with damaged credit. They are the ones who I financed my Dell computers through, and they would not budge on their interest rates in 7 years. It did not matter to them how many payments I made on time, that I was never late, and how high my credit score was. When I tried to negotiate a lower rate with them, they would not even talk to me.