I am two months late on my car payment, and I can’t afford to pay it. I have done refinanced the car last year so they won’t be able to do it again. I just deferred two payments back about 3 months ago, so trying to defer a payment is out of the question. I don’t know what else I can do.
How can I get my payments up to date without them taking the car?
It sounds like you just can’t afford the car.
The only way to get caught up is either with a mutual agreement with the lender, talk to the lender, or under a Chapter 13 bankruptcy. But in a bankruptcy you’d have to make at least your regular car payment plus about 30% more to get the loan caught up.
Whatever you do, don’t fall for any of these auto loan modification ads you might see. They are mostly lies.