I was 3 months behind on my car payments. Unfortunately, the loan is only 6 months old. I called earlier this week to try and make some sort of arrangements. The woman I spoke with was a real B**CH. I told her I could afford $500.00 right now and that I would like to make arrangements for the rest. First, she was being impossible and said she had to have the full past due amount before she hung up the phone or repossession procedures would be started. I explained my situation, about losing my job unexpectedly, of course, and that I now have a new job.