About 4 years ago my husband was sent home from his job early after putting in his 2 weeks notice. This was 3.5 weeks before his new job was to start. I called the loan company as we lived in Arizona a right to work state cause we didnt get paid. The loan company asked if I knew when we'd get paid at that time I did not. We missed 2 payments as we went 6 weeks without pay. We made a payment and set up auto pay biweekly. The auto payments monthly were {$200.00} more than my payment. We recently applied for a home loan only to find out the loan company reported the last 2 years and 2 months of payments late. One auto pay we never missed a payment. I have contacted the company and they told me I'm out of luck. I finally read the reviews on the company and found this happens often and in fact they have had several lawsuits around this matter.