Before you visit the dealer, line up good financing with a bank or credit unit.
Let's say you've just come home from a long day at work. Dinner's in the oven and you're working through a particularly difficult math problem with one of your children. Life's just chugging along, the way it should be.
A debt collector cannot tell family, friends, neighbors, or co-workers about your debt or that they are trying to collect a debt from you.