i don't usually post over here, i am usually on the toyota boards but i thought i would pop into this thread, i work for carmax auto finance doing collections and i understand your situation, i deal with it everyday without knowing specifics there are a few things you may try. some have been mentioned already try for an extension or making a partial payment also look into your states laws, i can't think of any odd ones in NC off hand but there are many states with wierd laws to protect people in debt. if you have any questions you can email me at justin@ForgivenOne.com i will try to help you out