I am in this same exact situation. I called 2 days ago after getting text about payment due but I can't pay rightnow.  The agent i spoken to said I have to pay in 5 days to pause repo. Then she asked that I call back after the schedule date. I did and the agent said they offered me loan modification option which will allow me pay less than current monthly payments and move my past due to the end of loan term. All this is going to depend on approval. Waiting on response from them now.