Please assist

Good day

I’m writing this review with a broken heart, I have a Vehicle Finance with MFC, I called the collection department requesting assistance as I’m self-employed and COVID-19 crippled my company, I was instructed to email a letter stating my issue which I did, I haven’t had any response and now I am asking if it’s possible the my debt be restructured over 1 year or so. Can I be assisted my a male further because the females who I’ve spoken to do not speak to me with the right tone and another lady went as far as telling me to voluntary surrender my vehicle.