Dont be. Its hard time for lots right now and they should know that. I was late on a few payments and they, several places, will put you oin whats called a "Hardship" payment thing. I went on that. They also will be nicer (usualy) when you actualy call them and tell them your having truble couse that way your not ignoring them.

If that makes sence.

*Hugs you tight*

~Dark