urgent

[duggin]

i purchased a truck from a auto dealership 3 months ago with a down payment devided into 3 seperate payments(post dated checks).the balance was financed by a company who is the lein holder.due to an unarthourized debit on my checking acct. the checks for down pymt.didnot clear and resulted in more financial fallout.i contacted the dealership and offered to make pymt.until i can settle the total ballance.dealership not willing to work with me.now i have been contacted by local saying i must bring vehicle in to p.d. or i will be arested for auto theif even though the title holder (finance company)is being paid and are not a part of this seperate action .do i have to turn vehicle in to local p.d. who seems to be acting as repo agent.i am concerned that if i give vehicle back to dealer i will still be obligated to repay loan to finance com.and make restitution for checks and i still will not have a vehicle.what can i do.please advise.