I’m in the same boat as Tonrita. I’m also, behind $2,600 in car payments. The only different is that my car already got repo. I’m just not making the income I made last year due to the change of jobs within the last couple of months. In my house hold I was the bread winner of the family due to my wife full time student status. I’m trying to hold on until my lovely wife finish with school and started working. But, it’s very hard cause I’m trying to stretch a dollar out of a dime. On the other hand no one want even consider me for a loan due to my bad credit history. I’m wishing for a blessing so I can get my car back for transportation back and forward to work.