Not easy.  You will have to assume the individual is going to work during the remaining time.  Also, you will have to forward forecast all taxes and insurances, etc.  Whatever institution is handling this for you will probably not be able to accommodate it either. 

Easiest solution is to make a personal loan for the projected amount and then get it back on the scheduled payday or whatever other schedule of payment suits the situation.

Not a good idea.  The challenging times have a direct relationship with increase in crimes.  When you invite strangers into your world, you accept a risk that could result in harm to you.  Selling a vehicle from home is not necessary.  You can utilize Craig's list or E-Bay or other such sites to keep the transaction totally impersonal.

Withdraw the funds and spend them ASAP.  If and when the bank figures it out, they can make some sort of arrangement for you to repay them (interest free).  Happened to me.  Went on the road and paid all my bills for about two months.  When I got home my mailbox was full of bounced check notifications.  Not possible, I had direct deposit.  Investigation revealed they had transposed numbers and credited some other lucky souls account.  He/she withdrew and spent the money and the bank had to make mine good and chase him/her.

Bottom line, one should never pass up the opportunity to do it to the banks.  They, along with their Wall Street cohorts have bankrupted the country.  Socking it to them is miniscule, but should make you feel better.