Well, it has happened. The repo guys came at 12:30 a.m. We were 60 days late on our car. We have had issues over the last year but we always have made up the payments. The credit rep said today that she made a decision and we would have to come up with the full $13k still owed. Do we have any recourse; we have been trying and talking to them regularly. And making payments. We had talked to them just 3 days before this with a payment schedule/promise.