My question involves an auto loan or repossession in the State of: CA

This is on my wife's ATV. I was injured on the job and we got behind on her ATV payments. In March she was 60 days late, her payment statement said that the finance company had a "program to make her account current." She called March 12 and was told that no program existed. So on March 14, I made an online payment of $300, which was rejected by the finance company. April 17, finance company sent a letter saying she owed $700 within 40 days. Letter also said to sign the letter and send it in for a 10 day extension, she did. That gave her until May 7th to pay $700. On May 2, I called to pay $700 and they said it was too late, now she owes $1,700. Now they are trying to repo the unit. I filed a Federal Trade Commission complaint because they did not honor their agreement but they are still trying to repossess. Should I let them repo the unit or should I make them take us to court so a judge can decide?