Call them up and make payment arrangements, however you might be liable for the repo fee. You have options as long as you have the vehicle.I certify that I, or the firm, company, or corporation I am authorized to represent, am the legal owner within the meaning of California Vehicle Code. The letter describes how to get the car back, and what will happen if it is sold. Welcome to Central Collections Web Pay. If you're worried about how to get out of debt, here are some things to know — and how to find legitimate help. The first step is to fill out an FTC Fraud Affidavit, from the Federal Trade Commission website. If you don't make your car payments on time, your lender might have the right to take your car without going to court or telling you first.