Call your lender and make your payments ( plus any additional charges) and continue to make your payments on time.

You should always surrender your vehicle to a recovery agent . It shows the lien holder that you understand that you have bought a vehicle that you can not afford. The lien holder will be more likely to work with you, and possibly readjust the loan payments so you will be able to afford the vehicle.
When you refuse to surrender the vehicle, the lien holder may take legal action against you. These attorney fees will be added to your loan.

Sir think about it, you have failed to make your payments as agreed so now the bank wants their property back, it was never your car in the first place untill you paid it off.

We'll i say stop him for tonight, but if you can't bring up the payments to call off the repo man by the end of the next business day then you need to give it up

If you can't make the payment or work it out with the lien holder, either turn the car in or file chapter 13 that will let you keep your vehicle. But understand a chapter 13 will stay on your credit for 7 years and will slow your chances of future credit.

2 things you can do, pay the car off, the legal way, or keep it in your garage, they cannot enter the garage to take it, it's the law, option 1 is the better way, I used to have a repo company, other laws vary from stste to state.

My best friend's car was re-possessed a few months ago. I'm not sure how far behind the family was on their payments (I didn't ask) but I know she was able to pay up her debt and go retrieve the car, after paying some fees. Times are tough for a lot of people right now. I wish you luck.