If your vehicle is repossessed, can they make you pay it off to get it back?

If you borrow money, you are responsible to repay it, plus any interest and all fee's associated with your loan agreement. If what you borrowed is to pay for a vehicle, the vehicle plus your commitment to make all payments represent the collateral. If you have failed to make your scheduled payments for what ever reason, you are in default. You didn't borrow a car, you borrowed money and one way or another you are responsible to pay that back.
The lender needs to collect, they use several methods to notify you and wether you volunteer the vehicle, or a company in the business of repossessing picks it up, you owe the unpaid balance (plus interest, late fee's, penalties and all fee's) associated with the repossession. Once the lender is in possession of the collateral, in your case it's a car, they need money, the money you borrowed to begin with. They would love for you to pay what you agreed to plus fee's, if you will do what you agreed too. If you are unable to fulfill the loan agreement with this lender and can't find a new lender, the car will be sold. When the lender liquidates the automobile you are still responsible for the difference between your unpaid balance plus interest and fee's and the amount the vehicle sells for minus all fee's associated: repossession, storage and its sale.
I learned the hard way, my son at 3 was found to have CF a 3-5 million dollar illness, there goes the cars, boat and toys.