no! that certainly doesn't make you a bad person.sounds like you and hubby are doing the very best you can. i'm not sure of this but i don't believe it's allowable by law for your creditor to contact you at work. if they are calling on your cell, try blocking those calls...altho they use many different numbers..the other thing you can do is not answer the call. if they are calling your workplace number find out if this legally allowable. if it is not, REPORT THEM AND FILE A COMPLAINT.
you and hubby will need to decide what to do about your car. i'd google re the repo law in your state. at least you will have an understanding/knowledgeable of what you may the procedures are. keep posting and don't keep your frustrations bottled up. it will only magnify the situation.
i applaud you/hubby for all you have done to try to stay afloat.
we care and know we understand what you are going thru.