I just received my notice of right to cure default letter from my credit union for my car loan. I have retained my attorney, but have not filed yet. I haven't made any payments on my car loan since May. What is my next step in regards to this letter? My attorney has said the credit union might work...

I filed pro-se and don't plan to reaffirm my vehicle unless they'll re-negotiate... otherwise, I just planned to retain and keep payments current... where in our state statutes would i find if Oregon is a ride-through state... i just want to make sure they can't still reposses if i don't reaffirm but...