Car loan overdue

Hello,

I purchased a car with Toyota Financial Services last 2023. I pay the monthly until I was laid off from work due to redundancy. 2 months ako nawalan ng work at di ko nabayaran at the same time. After ko makahanap ng work, I diligently paid the monthly fee until now. Ngayon hindi ko napansin na nagkapatong-patong na yung interes = from 2 months naging 5 months delay. Gusto kong isalba yung kotse kasi kailangan ko din as my parents are at the age of 70++ now. I’ve applied loans through banks pero denied ako all the time (no clear explanation why declined). Hindi narin eligible sa sangla or/cr since ang nakikita lang nila yung delay payment (not the updated payment). Any advice that you can give me is appreciated.

One last thing, a collection agent called me at babatakin na daw yun kotse anytime. Meron na daw “memo” pero yung pinapaproduce ko, wala naman sila masend sakin. Thank reddditors.