Do you need the truck? If you pay for it you better be the one getting it.

Can you work anything out with the lender, like some of the payments until your lawer can do something?

You need to prepair a file for it does go back. Things like letters to the lender, stbx were you tried to work it out. It will help later to show you tried. Credit card companies will not care but getting a loan on a car or house it could help depending on the lender. Even some smaller banks will look at it.