Exactly, you can't sue the lender or the agency who allowed you to use their money to lease the vehicle for reclaiming their own property unless you can prove you were paid up on your scheduled payment plan. The sad part is they can now sell your vehicle for whatever they can get out of it and then charge you for the short fall on the balance you owed on the vehicle. In other words most likely your going to pay both ways. Especially if you think your going to buy another vehicle while having this claim for repossession of the other vehicle in other words you just became a high risk. The only way you can get the vehicle back is to pay off the late payments and catch up on this months payment. Only if the lender/bank/credit/collection company will allow you to do this.