Paying back a bad loan

I'm an attorney and have a new case.

My client had a shopping disorder and maxed out her credit cards behind her husband's back. Five figures.

Worried about the debt, she consolidated her debt and took out a loan that paid off her credit cards. Behind her husband's back. She signed the papers but didn't read them and didn't understand what the conditions were.

Her husband found out about the loan when he protested the cost of his auto premium. (Your credit history affects your premium.) But she denied, denied, denied. And he couldn't do anything about it.

My client fell and is effectively disabled and got a lump sum for her workers comp. She wants to pay back the loan in full, which is responsible. With the outrageous interest on the loan, the figure is $65,000-something. It's almost the sales price of their home when they bought it in 1978.

She tried to pay off the loan but the company is refusing the payment and wants her to continue monthly payments in order to allow accrued and compound interest.

I'm taking over and closing the file.

I really don't want to do this case, but I realize that she's in bad medical shape and if this isn't addressed and concluded now, the debt will attach to the marital home and her husband will have worked for more than 40 years to pay for the home that he would effectively lose. Or at least dramatically affect his credit, his ability to borrow, and his insurance premiums.