<prompt> Human: Ive been leasing a car for a little over a year, and for the past few months havent made any payments. I havent recieved any emails about this, and I wasnt contacted on my cell phone. However, my parents were contacted and recieved letters saying there were late payments. A few months ago I spoke to the company on my cell phone and asked to set up recurring payments along with email notifications due to problems recieving letters and making payments. During that call I told them that this was my primary phone. I think there was an extra step to set up the recurring payments that I must have not followed up on.My parents told me about the letters earlier this month, and when I tried to log in to my online account I was locked out. Id been meaning to call the company but have been putting it off. Either way, my car was towed tonight.Im calling the company in the morning, but Im not sure what to say. I just looked at the letters and can pay everything now, its really not that much. I recognize that no matter what excuses I have this is a result of my irresponsibility, but it seems kind of insane that my car would get reposessed over an owed sum of less than 1000 without me ever being personally warned by the company.Is there anything I can do to avoid paying the late fee less than 100 and repo fee a little over 100, amd more importantly avoid having a repossesion on my credit score? I have more than enough money for the amount I owe plus fees on my bank account, although if I pay the fees is that me admitting Im completely at fault, and if I pay what I owe will this company just ignore anything I say after? What should I do?  <response>: it seems kind of insane that my car would get reposessed Well it is sane because it wasnt your car and you werent paying the lease for months. And its your job to get the mail from the address you give when buying the car...theres not much merit in the complaint that you werent contacted. Is there anything I can do to avoid paying the late fee less than 100 and repo fee a little over 100, amd more importantly avoid having a repossesion on my credit score? If you pay the rest and talk to them they may waive some fees if you ask. The credit score thing is pretty hard to change after the fact. After they report it, the banks start sharing that info and getting it scrubbed would be tough, especially for you who did miss payments and have the car repossessed. 