Typically in these situations IF you financed the vehicle with help from dealer you have recourse against the company that holds the paper and perhaps against a bond company.
In these situations it is best to contact someone good for a low or no fee consultations. Find someone good here:
I agree with Scott, but am also very concerned that they are asking you to pay late fees that are not in the contract and also about whether they actually can have the title to the vehicle to transfer to you. If they don't, then you are paying money for a car that not only doesn't run but also that you cannot own even if you make the payment. You should seek out a local consumer attorney quickly.
This response does not create an attorney-client relationship.