I purchased a Air conditioner unit from a company that uses HRS as a credit company, I was not told this when I purchased this unit. I was told I would have it paid off in 5 years, I have been paying on it for 8 and have not brought the balance to even half of the original price. I just found out about this when my wife brought it to my attention that we were still getting bills from them and she had been paying them but thought we should have finished 3 years ago. When I checked on the balance, I lost it, I want to know what can be done about this without ruining my credit.