My boyfriend broke his foot and was out of work for months. In the process he fail behind on his car note and now the bank has repossed the car. They have given us 21 days to reclaim the car and it must be paid in full plus the repossesion costs. In order to prevent further damage to his credit report, I am going to pay this full amount but I need till Nov. 15th but the 21 days are up on Oct 22nd. I tried calling the bank to explain the situation and to offer to send in money to show that we have full intention of paying off the car but we need those extra 3 weeks. The person I spoke to was totally rude and wouldn't extend us the additional time. I am so stressed out over this situation and I don't know what to do to get that extra time we need to pay off the car before they sell it at auction and he would still owe them money with no car. Thanks for any advice. I am also in the process of looking through the state law in Illinois to see what the repossesion law is in this state.