Man, I hate what you are going through, but you are obviously a liability to any lender if you are paying 11% on a vehicle. You are only going to mess your self up worse by not making the note that you agreed upon. Borrow some money any way that you can to get even on your payments first and foremost. You are talking about a small amount of dollars in the grand scheme of things. If you get back to even, do you think that you can make the notes monthly?