I am behind in my car payments with Toyota Financial. I recieved a letter in the mail to mail in the two payments I am behind or they were going to repo my car. I live in a gated community can they get in is my first question. and I have moved since i bought my car and they are unaware of my new address will that make a difference. I plan on making the two payments this week will that ward off the repo man? I also want to trade my car in for something else. The apr is killing me and my friend works for a dealer and has told me already with my credit he can get me lower payments and a lower apr. The reason behind my payemtns being late is the fact that first like I said I moved and moving costs and everything got me behind in bills. What do you suggest?