I was served with a summons for a repossession of a car.

Yes, most of the time, the Plaintiff's attorney will be willing to work out some kind of deal but the client decides how flexible the deal can be.  Sometimes asserting a legitimate defense will encourage the Plaintiff to be more flexible on a settlement -- if you have a legitimate defense.If your car has been repossessed and sold, you may be able to challenge the way in which it was sold or the costs incurred.  You may want to talk to an attorney who is familiar with car repossession cases before beginning negotiations, even if you do the negotiations yourself.