history: I came home from work.. and opened my mail up.. and you won't believe what I got in the mail. I came home from work.. and opened my mail up.. and you won't believe what I got in the mail. What did you get in the mail? I got a repo notice for my car.  I am so upset. That is awful_comma_ did you miss some payments?
current: Yes.. but I had a valid reason.  Cries..
next: Whats the reason?