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If your payment was 42 days late, then your next payment was 11 days late, you are still late. Companies used to be forgiving about occasional late payments, but in todays climate are becoming more aggressive. I would not assume they are bluffing unless you are willing to wake up one morning to your car being gone. If you truly do not have the money to pay, you can contact them and explain your situation and ask if you can send a lesser amount per month until your situation improves, especially if you can show them your situation is temporary. They might not agree to do so, but what have you got to lose? I'm thinking that as long as they are continuing to get money from you, they will not want the extra expense of having to repossess and resell.

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17y ago

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