I have had similar experiences with SouthEast Toyota Finance. I lost my job and can not make the $730 monthly lease payments. I hav e called asking about lowering the payments by lowering the interest rate (e.g., to the level being changed now) or extending the term of the lease and they simply can not be bothered.
I too was with GMAC previously and found them to be considerate. I would recommend that one tries everything else before using them, or simply don't buy a Toyota.
- John Dohm, Florida