STOP!! If you are or are thinking about dealing with Triad Financial Don't do it!! This is the worst company to deal with, I had my car for 3 years never missed a payment ( I was crazy in the first place) I lost my job in 2008 and they don't understand although they say they do they don't I am in position for getting reposessed right now because they don't want to make arrangments it's either GIVE us $1192 or GIVE us our car, I even tried talking to them but it not happening