Repo of vehicle

My mom co-signed for me a car through a car dealership and chae financed it I lost the job that I had when I got the car and was able to pay car payment well last year I lost that job and now working at flying j truck stop so I’m 3 payments behind I sent 200.00 last week which wasn’t my whole car payment if 338.65 I owed them 138.65 for october so in all I’m 2 and a half months behind.. I called the financed people and explained to them dat I’m struggling on my payments dat I was willing to sign over my whole check and I sent them the check and do next month I couldn’t pay them because I had to pay for utilities that I didn’t pay at that time long story well today around 1:30 the repo man man came and took my car away I called the finance company and they told my mom I had to pay 11,785.00 the remaining lease contract in order to get my car back that I had for almost 4years and right around this time last year I was behind like now and I got my increased me tax I paid 1,300 and paid and extra month and they got want trying to hear me so tomorrow I’m callin the redemption number and talk to an supervisor. I need to know what can I say or do I’m willing to pay 815.00 the 2 months I’m behind and the 138.65 for the other half I have a family member that’s gonna Liam me the money please help never had an repi