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Honda Financial / Terrible experience

1 United States
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For several months, I was consistently late on my payments. I spoke with a rep at Honda Finance who told me as long as I made payment before 49 days past due, I would be okay. My payments are due on the 21st of each month. I make payments same time each month, usually 45 days past due. I made July 21 payment on 9/04/08.

Payment was drafted. My Honda Accord was repossessed (early AM hours) on 9/10/08, when my August 21 payment was 18 days past due. I called rep and was told payment was not "accepted" due to account status. Would not accept August and September payments, wanted full balance $10, 179 by 9/25/08. Should I file bankruptcy? Have invested $15000 in the care with payments.

Va

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