check with bankruptcy lawyer, be prepared to lose vehicle and declare bankruptcy, go cash basis and prepay credit cards for internet purchases, ride a bicycle, learn to eat peanut butter sandwiches if you can't cook, drink tap water with cider vinegar, work extra night shift. For now, not much you can do until you get at least 2 months payment saved up in advance- then MIGHT be able to get a refinance through a credit union for 7 to 12% . that mat require some of previous suggestions, reduce monthly expenses. do you have a smart phone with $49.95/month? plus same for internet? Then drop internet, go to library and get a Tracphone that is $30.00 prepay for 3 months- now you can put $30. to 50.00/month into credit union account. Unless you had a 'need' for a Rav 4 to tow or haul, delivery in bad weather- youshould have looked at a 2010 or so Camry or Corolla .