2006 Scion XB Default?

I have been two months behind on my car payment to Toyota Financial for at least the 6 months possibly longer. Today I got a notice that if I don't become current by 1-14-2010 the loan will go into default. I explained that I am on a fixed income,(social security disability), so there was no way I can bring it current at least by the 14th, but I can continue to make the normal monthly payment. What are the chances they will repossess the vehicle?