A Month Late On My First Car Payment I'm 20 Days Late On My Car Payment. I Need An Excuse. This Is My First Time Being This Late. What Do I Say.

I'm 20 days late on my car payment. I need an excuse. This is my first time being this late. What do i say. - a month late on my first car payment

What I told the owner Lein, now a 3-fold for the payment, and I just do not have the money this month.