Unless you think this loan was made illegally (which doesn't seem to be the case), then I wouldn't bother with a lawyer and would instead start looking for alternate means of financing. If your loan doesn't come due with a balloon, you might have to stick it out with this loan. Unless your credit has improved, it will be tough to refinance this loan because credit is tighter than ever.

If you're having a tough time repaying this loan, I suggest you talk with a not-for-profit consumer credit counselor before heading out to your neighborhood lender, Check out the FTC's site for help.Go to http://www.ftc.gov/bcp/menus/consumer/credit/debt.shtm