Today some creditors offer payment protection insurance to help cover your premiums in the event that you couldn’t pay them back.  I remember running into this type of scenario when I applied for a credit card.  They offered me a certain type of insurance that would help in case I couldn’t make my monthly payment.  Their fee was based on a certain percent of my monthly balance.  ppi claims can be filed if you purchased this type of insurance because you felt pressured or because you were never told that it was optional.  There are organizations who will help you recover your lost money and will not charge you if they are unsuccessful.