 He also thought the interest rate was a fixed 4.25%, but that was only for the first five years. After that, the rate became variable. He signed the note and the associated paperwork and was current on the payments through the first three years when the bank demanded payment in full in 14 days. That left him with limited options. Either pay the note in full immediately, which he couldn't, get the bank to sign a forbearance agreement and get a loan from another bank with better terms, mediate the dispute, or file Chapter 12 bankruptcy.