How much time would someone have to make payment once the creditor decides to file a writ of replevin or get the police involved?

There is no set time. You are gambling that things will fall into place before its too late. How long have you driven the vehicle now without paying? 4 months, 6 months, more???? Usually if a lender has to file a replevin, there is NO "catching up". The lender has lost faith in your ability and/or desire to perform the terms of the contract.