Car loan delinquencies are surging. Here's what to do if you're falling behind.

Millions of car owners are struggling to make their car payments, particularly those in the subprime category. The share of subprime borrowers — those with a poor or limited credit history and a score between 501 and 600 — who are at least 60 days past due on their auto loans rose to 6.65% in October. This is the highest increase since 1994, according to data released by Fitch Ratings. A new analysis by VantageScore suggests that auto loan delinquencies have evolved from being one of the least risky cons ...