What you absolutely must do is stay in contact with that company by phone.  Make sure and explain the details of why you have gotten behind on the payments.  If you have never asked to make payments on interest for payments you are behind on ask that in order to get the payments caught up.  Then the payments on the principal will roll over til the end of the loan and will keep it out of repossession status.  If they won't do that ask them what they will do and what options they will give you like adding part of the original amount of your payments that you would normally make each month from the ones you are behind on to each payment from that month forward until you get those caught up.  I have been in that same situation and I was behind two months on payments and so I asked the company to add $50.00 from the past due payments to each month from the day I talked to them to that months payment and each month after that until I got it caught up.  They assessed it and agreed.  After a few months I had it caught up.  But the most important thing that you can do is to stay in contact with that company.  DO NOT avoid their phone calls!!!!  Because all that does is make things look even worse on your part and give them even more reason to turn it into a repossession.