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Is this a Conditional Sales Contract?
Can you get out all your documentation including what you signed for financing?
You have to see what kind of contract you signed.
It is not necessarily the case that the seize or sue law applies.It is only where you have a Conditional Sales contract that this rule applies.
If you do not they can both seize the jeep and then sue.
So you have to review the contract to see if they are correct or not.
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But I am telling you that in Alberta that is simply not the case for all types of contracts. It depends on the type. If you could just find your documentation we would know the answer at once.