In the midst of these difficult times, it can be hard to keep up with all the expenses. Thousands are losing their jobs every month, but the bills still keep coming. Falling behind on payments for any type of vehicle happens to the best of us. Sometimes life deals you adversity that you didn't expect. You don’t have the money for it, but if you put off paying the car payment, you can get some other bills paid, and hope that you can catch up next month. Many justify the decision because it could only cost a late charge.