Houses: we live in 'em. Cars: we drive them. Credit cards: we buy groceries and the occasional indulgence with them. But the truth is, sometimes we can't always pay back loans and lines of credit like we originally intended. So now what? Simply not paying monthly payments results in late notices and bad credit scores, not to mention harassing phone calls at all hours of the day and night and the possibility of the repo man showing up at three in the morning and taking our car. Fortunately, there are a few things you can do to lower your monthly payments and keep a few extra bucks in your pocket.