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I am sorry to hear about what you are going through. In a situation like this, the lender/finance company likely does have a clause and is allowed to accelerate the loan and demand payment in full, if the loan goes into default. If they are exercising that right, it would have to be paid in full or else they can sell it at auction. However, you can propose to them that you will bring the account current and pay all fees related to this. For example, late fees, interest, repossession fees which were charged. It is at their discretion but the contract which you signed will control and if it is reviewed, will state what option you have. There is nothing that obligated them to simply allow you to pay the past due amount and take the car back, so it does have to be negotiated with them.
I just wanted to follow up and see if you had any other questions or needed me to clarify something. I am here to help, so please let me know. Thanks!