<prompt> Human: As the title said, life got in the way. I had a huge move across the country, semi-stressful job, wife is sick. I honestly couldnt keep up. I had to neglect my car payment to the point I almost forgot about it entirely. Now there is an order out for repo, and if I lose this vehicle I will be in so much trouble no way to work, or way to get wife to dr appts. The bank says they need 4000 just to get me current, and arent accepting any form of partial payments technically thats a lie, but their other option is 2000 and another 2000 10 days later, but I cant do either anyway. I only make 1200 a paycheck. Idk what I am going to do. No banks will give me a loan BECAUSE of the credit hits Ive had with this car. Not asking for handouts, just genuinely scared for my familys future. IDK what to do...  <response>: Im assuming you have no equity in this car, so at this point its time to accept the cars going bye bye soon. Set aside some cash and buy a cheap 2000 car with cash to get by for now. Dont do anything dumb when the repo guy shows up, just let him do his job. The car will be sold at auction and theyll come back at you for the difference. Usually you can settle for about 25 with them, but get it in writing. 