Your aunt will not want that car repossessed: after 3 missed payments, the account will likely go into charge-off, and then repossession shortly after. Some auto finance companies may even begin the process that soon.
Since your aunt is a signatory on the note, she can call the company and seek some form of solution - since she is technically partially responsible for the payment.
The possible solutions / options are:
-- surrender the car (and be indebted for the remainder of the loan)
-- re-arrange for longer term (more months to pay) and lower payments
The choice of the method also depends on the loan balance - how many more months/years does she have to pay?
all the best - Oy
