Bought a 2000 ford focus at a buy here pay here lot. Had it for a year and a half always paid my payments which where $300 mo. Gave it back because hours where cut and daughter moved out whom was helping me with the bills so now I can't afford car payment. Buy here pay here lot came and got the car now I got a certified letter saying its going to auction. Now I know that i'll be responsable for the difference but by being in a financial struggle can I go to court and ask the judge for payments that are affordable? I'm sure they'll sue me. Or will there be a set amount that i'll have to pay? I have already paid over $5000 for this car and the car being a ford focus year 2000 with 150,000 miles to me has already been paid for will a judge even consider that?