What happens if you tell the owner you cant pay and he wont come get the car but then takes you to court?

You show up in court on the date you are summoned and answer to the judge. You explain to the judge that the lender refused voluntary repossession of the vehicle. You ask for payment arrangements to be made by the judge on the outstanding balance, less court cost, legal fees, and any additional collection fees.

Then you pay the debt you contracted to pay.

Or, you file bankruptcy before the first case goes to court.