When they repossed my car I said I'll get it back again
I'll fight them finance people to the end
Here's my deliquent payment and I'll give you some to boot
Now give me back my car and take my loot

They said I think you're just a little bit late
We can't mess around while you procrastinate
We accutioned off your car you know that's the way we are
Sorry you're a little too late

Then I had to catch the bus to get to work on time
I missed the one at eight and barely caught the one at nine
I finally got to work about a quarter after ten
I went to tell the foreman where I'd been

He said I think you're just a little bit late
And Ben that's the kind of thing I hate
I don't wanna make you sore but we can't use you anymore
Sorry you're a little too late

Then my wife packed up and left me
I said you can't do that to me
I guess I'll have to show her what a lover I can be
So I bought a dozen roses and I said baby please come home
Big ole Ben can't stand to be alone

She said I think you're just a little bit late
You see I went and got myself another mate
He's handsomer than you he's got a car he's sober too
Sorry you're a little too late

Well after the divorce I ended up without a dime
You can see I was forced to lead a life of sin and crime
I gambled and I plundered and I smoked and cursed and drank
Even tried to rob the local bank

They said I think you're just a little bit late
You see there's nothing in our vault for you to take
You're the second crook today the other one got away
Sorry you're a little too late

Well the time I spent in jail has made me see that I was wrong
And I've decided to repent and take it easy from now on
But when I die and climb those golden stairs on Judgement Day
The man will probably look at me and say

I think you're just a little bit late
We're all full up right now you'll have to wait
Why don't you go on down below if somethin' breaks we'll let you know
Sorry you're a little too late