I am late by 45 days because the car that I owe 10, 000 for keeps breaking down and I have to repair it. I tried trading it in it is worth $1, 000. I was told by a rep that I can put two payments to the back and be current. I just received a collection call that I must pay a payment by tomorrow or they will repo the car. She said I don't qualify for the program to put two payments to the back of the loan. Was very rude, threatened to repo. Told me to borrow the money! read full review »