<prompt> Human: I called them in November, asking to defer my payment to december, they said yes. I never made decembers payment, and didnt make january or february. They were calling me twice a day, leaving a message everyday. They mailed me a letter saying the balance of the 3 months is due immediately, and if I dont pay it, they will be forced to demand the entire balance in full or repossess the car. I sent the vice president of collections a fax, stating I am unable to make any payments, and please only contact me by mail going forward.That was 2 weeks ago. Whats taking them so long?  <response>: Most likely they are still going through the processRepossession costs the bank money as they have to pay for the agent and then attempt to recoup the money from the defaulted party that is you. Even when they repossess the car you are still going to owe the difference in the price they sell it for and what you owe in principal, interest and fees. Waiting for them to repossess is going to end up costing you more in the long run as they are going to add these fees and come after your for a larger amount. If you truly dont want the car, I would suggest you contact the bank about doing a voluntary repossession, where you give the car back to them. Not only can it save you the repossession fee, the lender may also agree to waive the deficiency balance and not report it as a repossession on your credit report. Get these promises in writing!edit - spelling 