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  1. I'm at the end of my rope with this, so I apologize if I'm not following the proper format or putting this in the right place. I looked all over this site for a similar situation and while I found some posts that were very close in nature, I couldn't find anything that fully connected with what I have going on. I'm going to try to answer all the necessary questions as fully as I can without making this post into a novel. First off, I defaulted on a Lending Club loan back in 2017, so the debt in question is actually mine, however, when Velocity Investments picked it up and put it on my c