Behind on payments?
It is very difficult to pay outstanding amounts incl current payments. There is nowhere to cut. You are behing on payments because you did not have enough money to pay your monthly expenses. To solve these, there is only one solution EARN MORE....get extra job if employed. Even with this solution it will take you 3 months munimum to be up to date
It has happened a few times with me and these has shown to be the solution all the time
Live below your means