We own a 2005 Ford focus. We haven't made a payment since december of last year. The finance company is threatening repossesion, they are also threatening with jail time if we do not surrender their car.. Can they do this or is this just their way of getting their auto back. This car is the only transportation we have, we're both unemployed, no money and are staying with a friend. What can they really do. not only are they saying jail time but legal action as well. PLease advise asap.