I don't know your situation and I'm not accusing you of anything, but I used to work in collections for Chrysler Credit. We didn't put ANY car out for repo unless there were THREE payments due.
He said in the beginning that she missed 2 payments in 2011. If they never made up those payments and paid over 10 days past the bills due date that makes 3 payments. If the bill gets there over 10 days late they consider it the next months payment.