MFC refusing to make payment arrangements but repossessed the

I was behind with the payments of the vehicle for three months and I was got call that they wanted to come take the car because I have not been able to honor my arrangements and now they came with the papers saying that I volunteer to give them a car back which was not true. I wrote on the papers that I'm willing to make arrangements that they are the ones wanting the car. They took the car anyway and sold it and now they want me to do an arrangement to pay them the rest. I'm a business owner and I was expecting payments from clients and had no intention to surrender the car.