How to get back on track...

Have you talked to them to see if you could defer a payment? It would add a month extra to your loan but it would give you an additional month to come up with the funds. Most auto loans allow a couple of deferrments through the ife of the loan.

The best thing to do with the auto company is to call them up and explain the situation. Don't avoid their calls, they will think you are avoiding them and that will just make them more determined to track you down. Best way is to do what pybasj says, they all have something that should help you salvage your vehicle loan.

I agree. You should call them and let them know that you are having some problems at this time and that you intend to catch it up asap. In the meantime, they may have some sort of hardship program that they can extend to you so that you can keep your car. How far behind are you? If it is just one month, then, most likely they will be willing to defer. As fedupinpa said, the worst thing you can do is keep them in the dark about the situation.

We've already used all the payment extensions that we are allowed for one year. It sucks really... I've been making payments, but it's not what we are behind with. We have had a pretty tough year with the important family decisions that we had to make which kind of meant that I took a sort of pay cut. But we had to do it because the cost of daycare would have eaten my paycheck. So we've been working all avenues. In this area it's hard to find the daycare for children under two. Since I've opened my own daycare my phone hasn't stopped ringing for children under two, but I'm filled to the maximum capacity that the state allows for in home care. Anyway... that's off subject. I just scheduled a payment for it online and that still leaves us one month plus some fees behind. I plan on calling them. I don't answer my phone for a lot of calls because I don't know the numbers and most of them are people who think I want to refinance my house. We are in no position for that right now and we just finally got a break from our mortgage company. I'm not sure if there's anything else that they will do for us. With my husband working so far away from home we have to have the cars. One of them is barely making it every day. I'm not sure what else we can do about our other bills, we were so focused on making our mortage payments so our house wouldn't get foreclosed on. We were bordering 3 months behind on that. Our cell phones are turned off and I was making very small payments to that to try to get it caught up, but I guess I was taking too long for that and they decided to close our account and charge us the ETF for each of the lines which is killer because we had our college daughter on that as well as ours and our teenage son so we could keep track of him. So that's a hefty amount of moolah. Then our electric. I've been paying that every month and we're on the budget billing, but of course we were behind on that. I'm just scared that even though we're now making payments every month they're going to shut us off because it's not the full amount that we owe (current + past due). I'm really in a rut it's causing my husband to be very depressed and I've never seen him this way since we've been together. I don't know how to help him. And then on Saturday our washing machine went up. I about lost it because it's only been 5 years since I got it. My parents washer and dryer is over 20 years old. We actually got lucky and one of my clients had a washing machine that they weren't using because the house they bought came with one and they offered it to us. I don't know if my husband was just too proud or what, but he didn't want to get it. So I took the seats out of the van myself and went to pick it up and was going to bring it in the house myself with the aid of my teenage son, but I guess he decided that he would help. Then he complained about it the whole time because it wasn't like our washer. I don't know what else he wants me to do. I'm sorry to unload so much. I guess I just needed to get that off my chest. Thanks again for the good suggestions. I will be calling them.

billysgirl, man, I'm so sorry to hear about all of this. I think we've all been there. I'm just so sorry. But on your bills that your current +1 past due, they usually won't disconnect. It sounds like you're one month behind. I know that feeling all too well. It's when you get two months behind that they start sending the wonderful cut off notices. If you can at least stay one step ahead of that, you'll still be behind, but shouldn't get cut off. Your car loan does concern me. I know debtcruncher knows his stuff regarding cars. You could ask him. Actually, there are quite a few members who are even in the banking industry. They might be able to help or at least give some insight as to being behind on the mortgage. I'm just sorry everything is caving in on you all at once.

Thanks so much. I don't think I've felt this down. I'm sure it's because my husband is taking it very badly and I don't know how to help him. I'm actually scared that we will be sleeping in separate quarters soon. I did call the car loan company today and they said that "it looks like they are doing all they can but we're not trying." The girl wanted another $100 payment because she said that we were 63 days past due. I told her that I wasn't sure how I would get it, and she insisted that it couldn't wait until Friday. So, I just went ahead and paid with what I was going to use for groceries. I'm sitting down now while the babies are asleep and working on a meal plan that will still feed us for the least amount of money. Our electric is somehow two months behind. But they haven't sent any cancellation notices. I think it's because we're on the budget plan. I'm trying to think of some creative ways to make some extra cash so we can pay down some of the things that we're behind on. My sister used to get this way all the time. I don't know how she could stand living like this. I unfortunately have to because of the baby and nobody to care for her, but she didn't have any little kids. She had older ones and she still let all her bills go even with the money she and her husband were making. She just gave up or something. Lost her van, her house, and then had to put all her stuff in storage when she lost her house. Many years back she and her husband were going through problems and they split and all their stuff went into storage and they never paid the bill so they lost all of it. I just don't understand what compels people to just let it all go. I'm fighting my hardest to keep what I've got and it's not much.

prayers to you Billysgirrl...I hope that amongst all this you and your husband can come together as a team and say we're in this together, that's what you need right now more than anything i think. you have lots of solid support on this forum too! i'm pming you now.

Thank you. I've tried talking to him several times and letting him know that if we just band together we'll be alright. He's just so depressed I don't know what he's thinking or feeling. I've even offered to go get a part time job in the evening but he's says it won't help and also that he has a hard enough time dealing with our kids when I'm home he can't imagine doing it when I'm not. I just don't know though. To me it sounds like he's singling out my kids though. They are the younger ones and his are the older ones and his son (14) just stays in his room most of the time. Then my 6 year old has ADHD and Hubs has never had to deal with that before and he just doesn't have the patience.