My question involves an auto loan or repossession in the State of: Virginia
Instead of my job firing its employees so they can get out of their own financial issues, my job cut back on it employee's hours which resulted me being late on my car payments. I have bi-weekly payments and for the past two months I have been late on my payments. The most I've been late is two weeks and a half. My finance company has now declared me as inconsistent with my payments, calls me every other day with threats of repossession if I don’t get caught up with payments. I have finally found a second job (which was hard to do since I am a college student and previous jobs I had found conflicted with my first job schedule or either my class schedule) and I know that I will be back current on my loans by the end of December. My question is what is the best solution for my problem? Should I carry on like I have been with the fear of repossession or should I just voluntary repo my car?

