They let you be late but if your late just 1 hour on your last payment they will try to reposess it. Ive been late more than two months and they always worked with me on paying it but my last payment I wasnt even a day late and they knocked on my door. Great work with me to pay for it 2 yrs and tried taking it the last month. Take me to court. I have a contract here showing that im paying for more than what I have. Im gonna love going to court they actually owe me money.