<prompt> Human: I fell behind on payments and I was just getting back on my feet and ready to make a payment when it was repossessed. I dont need it for work thankfully, but I dont know what the best option is from here.  <response>: Heres whats likely. First they will want you to pay a lump sum to get caught up on your payments. If you cant do that, they will sell the car. If they get less than you owe for the car, and this is likely, they will come after you for the difference. 