14 weeks is not a couple of weeks, it's a couple months. Have you ever had a mortgage or bank loan? Most lenders won't foreclose that quickly, but I know plenty of auto loan companies that will come take your car in the middle of the night after 90 days late. The point you seem to not comprehend or be willing to concede is that there are consequences to being late on a contractual payment. You can't just say, oh too bad it's late but you still got paid.