<prompt> Human: So my so missed calls from a collection agency, so I called for him to check what was up and they said that if he didnt pay 12,000 by tomorrow they were going to put it into review and take his car along with all his other possessions. My so is freaking out as he dont have the means to make this type of payment, and with only 1 day he doesnt know what to do. Please help! Any advice or suggestions?  <response>: Can you back up a little bit here and explain some more... you dont just miss a phone call or two and suddenly have all your possessions taken by a collections agency. What is the debt for? 