I am buying a car from a private owner. There is a non-notarized, handwritten Bill of Sale stating (in a nutshell) that I purchased the car as is after making a down payment and gained possession of the car. It also states that I am responsible for the remaining balance and that I am to make payments bi-weekly until paid in full and if payments are not made on time, the owner will regain possession of the vehicle. I recently lost my job and do not know if I will be able to finish payment on car. Am I entitled to get my down payment back upon return of the car?