Legal Question in Credit and Debt Law in Texas

I assume that the repossession was lawful, that is, that you were behind in your payments, and that the finance company had the right to take the car.

Your contract with them defines what your rights and remedies are. My guess is that it gives them all the rights, since they were the ones who drafted it.

If you can pay off the car, you're entitled to get the car. Anything short of that, you'd need to make a new deal witht he finance company.