You should bring your loan documents and purchase agreement to an attorney for his/her review. You should also provide the attorney with an accounting of all the payments that you have made over the past year. Once the attorney reviews your documents, he or she should be able to advise you accordingly on what you should do.
If you are late on your payments every month, it could very well be that the lender assessed late charges against you so it is important that you let the attorney know your payment schedule. Good luck!
Please be advised that the information provided herein is for reference to interested persons only and is not intended to create an attorney-client privilege and/or communication. Any information provided herein should be not substituted for the services and/or advice of counsel.