I think there is a consideration, if you lose a job that's why you were not able to pay your installment, i think they will give you a consideration to pay it or resume the payment till you find another job. I met someone just yesterday, one of our customers and told me that his account was frozen, bec. he dont have a work for few months and now he had a salary, he deposited a cheque fr. his new job..

Make a promise to resume paying soon you got a new job and try to find someone to take over the car loan,,,
by the way, what car is it? I might be interested.