You paid 43 payments and you still have more than 12 left, according to your posting. Because you already paid 43, does that resolve you of paying the rest? Your contract requires you to make each and every payment on time, every time, without regard to external influences. Because they want those payments, a class action is warranted???
You mentioned two other things. You said your husband has been layed off SINCE JULY. What is he doing to GET ON A PAYROLL?
You said your income was cut. What are you doing to supplement your current income? How about somebody there getting a part time job weekends or weekdays? How about your husband getting on a payroll EVEN IF it means some type of job he doesn't like? The goal is to GET ON A PAYROLL.
Please...don't tell any of us, there are no jobs!