The question will come up when they try are ask for the balance remaining after the sale. In addition when the reposession appears in your credit report you have opprotunity to make a comment or dispute. The contract for financing will set forth the addresses for the finance offices and I would suggest you write them directly.
You will need to consult with a lawyer locally.
Start keeping a detailed log of all calls and letters. You should also demand in writing all communications from creditors is in writing.
Do not give them any personal information because that is how collectors decide on which accounts to recommend suing.
If you are going to make payments use money orders and not personal checks or “check by phone” because if they find a bank account the collector will be more likely recommend a lawsuit the their legal department. Get written confirmation of any payment plan the agency will accept.
I do not practice in your state and you will need to consult with a local lawyer for protection under your state law.
I have pasted a link to the FDPCA to help you with your federal rights;