I am in similar situation but Northridge taking me to court for return of goods, even though offered to pay them 350 per month to clear the balance of 4700. The original finance agreement was for 21,000 and we already paid 16,500 and only have a year left on the agreement. I filled out a form that the court sent with our offer of payment but heard nothing. I phoned the court today and they have said the hearing is going ahead as Northridge have not accepted our offer. I am really worried as need the car to get to new job, I only fell behind with the payments as lost my job.

Do you think the judge will order the car to be returned?