Fell behind, balance of $93, got a note about repossession.

I fell behind a couple car payments and thought I caught up but I got a notice that I still owe $95. I am 5 days away from payday and the letter says if I don’t pay the balance by tomorrow they can repossess the car.

My payments are due on the 28th. This was sent on 6/30 and I made a payment that I thought was the rest of my past due/current due on 7/1.

I logged in after reading the notice and it says I owe $93.40. The notice itself was for an even $95.00.

If I wait until next week to pay this, would they repossess my car? I can probably borrow it from someone but I don’t really want to talk to the person I would ask, there’s a lot of toxic family dynamics at play.

I was doing fine several months ago and a series of unexpected misfortunes, bills and expenses drained my savings and put me in a bad bad spot. I support a disabled family member. Things are really hard.

It’s such a small amount that I’m so frustrated I can’t just cover, I was so pleased that I had caught up that this feels like a gut punch.

Please save your financial lectures, I really tried to do things right but it feels like I’ve been followed around by a little black cloud this year.