<prompt> Human: Hi guys,A friend of mine has had some poor luck with cars and wound up upside down on his car loan. He currently owes about 15k and the car is only worth about 10k. He has missed his last 2 payments got a call from the bank yesterday saying that if not paid up by the end of the month, the car will be repossessed. What is his best option? This is in NJ if that makes a difference. Thanks!  <response>: What is his best option?To catch up on his payments 