I am a member of the International Union Of Operating Engineers Local 14 in New York City, I am in a very desperate situation and need to withdraw money from my annuity account. The account is with Prudential, I took a loan a from it about 7 or 8 years ago and defaulted on it, i paid all the taxes on it and a early withdrawal fine. Prudential is now telling me i can never take another loan from it. Is there anyway i could withdraw money from it? I know i will have to pay taxes on it and a early withdrawal fine but i am in a very desperate situation and this is my only option. I tried to get a home equity loan but my credit is not so good and am getting declined everywhere i try. Please help ASAP..Thank You Michael Ingrassia