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You aren't going to like this, but if the car is repossessed due to nonpayment, then the lender can require full payment of the entire car loan in order for you to get the car back. That means that you wouldn't be able to get it back just by making up the late payments and fees unless the lender agreed to let you do so.
So that means that you would have to get refinanced somewhere else quickly to get the money to pay it off if they wouldn't agree to allow you to just make up the delinquent payments and fees for the repo .Colorado repossession laws dictate that a lender must mail all borrowers of a repossessed vehicle a notice stating that you have the right to retrieve (redeem) your car or truck once you have satisfied all of the outstanding issues related to the vehicle repossession.
I am very sorry that I don’t have better news, but please understand that I do have an ethical and professional obligation to provide customers with legally correct answers based on my knowledge and experience, even when I know the answer doesn’t make the customer happy...