This is a helpful article to read if you are struggling to make your car payment.  The suggestions are worth considering.  Another option not mentioned is filing a Chapter 13 bankruptcy.  You can use Chapter 13, depending on the particulars of your car loan, to either pay back arrears or possibly "cram down" the entire loan to what the automobile is worth instead of what you owe.  If you would like to discuss your options please contact me for a free consultation on my cell phone at 214-288-1917.