No funds

I purchased a car through MFC, and not long after that I lost my job, noing that I still have a car to pay I tried everything but I just had no more funds available, after a month or two I had to give my car back, now MFC sold the car for nothing and now I must pay back the rest, it's more than what the car was in the beginning, i just reserved a summons from a lawyer firm VELILE TINTON & ASSOCIATES INC. After contacting them and asking them that I have no money and do contract work and at this time have R300 a month left and can give them R100 a month till I've got a full-time work they decline my offer, what must I do the lawyer reference is CLOUW/Q12610 must I **** myself maybe MFC would prefer that, let my no thanks.