No one is on the side of the bank except for a few close relatives of the guy who refused to pay the 18K and they know their particular gravy train is gonna suffer because of this idiot's stance.
I went to school with him and let us just say he was not what we call "gifted with common sense."
I know where you live. Why the heck are you living there ?
Job prospects are near zero. Not much to do for entertainment. Cost of living is cheap but that is about it.