If you feel like you were defrauded by Pavillion you may have a claim, but these types of claims are tough to win since of course the plaintiff usually signed something with fine print to the lender's advantage.
I'm like you though, I hate to just roll over and eat a loss. I would take your documents to an attorney for review, and tell them what representation Pavillion made to you. I honestly doubt if you will get anything but a tax write off out of this, but for $46,000 I would invest a couple hundred more to at least have an attorney review it. It may be throwing good money after bad, but $46,000 is a lot to eat.
I hate to keep saying "see a lawyer, see a lawyer," but I can't give advice online, only information, nor can I really review all of the documents. If it were me, I would at least spend a little more money seeing a lawyer to be sure if there is no way to collect anything. And no, I'm not just saying that to drum up business for my ilk, but because if there is not a way to collect anything, and like I said I doubt if there is, at least you can sleep at night because you will know you uncovered every stone and didn't just give up with potential options left unexplored. That might help with closure even if it doesn't result in money.
Again, I'm sorry to hear that happened to you. There is a big difference between filing bankruptcy on a huge multimillion dollar corporation an filing on a person who doesn't have money to burn.
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