Can I stop reposession of my vehicle if i come up with the balance?

I work at a finance company but I don't claim to have the exact answer you want. I don't know the laws in your particular state, but in PA, your creditor has to send a "Repo notice" to you and the amount showing as being owed on it (there will be extra fees incurred from the reposession due to towing, etc.) would allow you to redeem the repo. In PA, there is a 15 day period once the letter is sent out that would allow you to payoff your balance before the vehicle could be sold at high bid (which could also leave a defiency balance if the total amount owed is not recovered).