Sounds like lawyer material to me. I wish I could help you with it.

Something to do if you can is get a copy of the credit application. It should be easy to see that it was modified and is likely in different handwriting and possibly in another color of pen.

Good luck! Be patient and keep your cool.

'98 SVT Contour, in at least 639 pieces 4 Speed MTX...synchro and shift fork replacement in progress