I have an equity line for {$38000.00}. Last year in XXXX 2014 I received a notice from my current lender - Wells Fargo, that this equity line was coming to term & payment in full was due XXXX 2014. The letter said that if I was unable to pay this I should contact them. I did repeatedly & tried to make payment arrangements but they kept saying that they could not accept anything but the entire balance. Since XXXX 2014 I have gotten letters listing options ( one of which is to make payment arrangements ) but when I call they tell me that payments are not an option. So why send the letter saying that? 
