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TX State Repo

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carless in TX

I have a car that I am 20 days delinquent on the payment for. They came and repo'd it while I was in the shower today. This is a in-house financing and I have never received notice of delinquency. I spoke with the owner of the lot on last friday explained I could get the payments caught up next week when I get my next check, he ok'd it and also said that to releive me of some of the burden they could arrange my payments to be the 1/2 amount to be paid every two weeks like I did on another car I purchased from him.(never had these problems before or I wouldnt have went there two times) I am dealing with a new salesman this time also.
Now the main question I have is that the contract does not have anything on it except the amount tobe financed, with all the breakdowns, then the payment terms described as 12 monthly payments at $202.20 each commencing on 7-1-00. There is nothing on this paper anywhere or on any others that I signed and have copy of that states that if I am to fall behind on my payments what the recourse would/could be. Can I take this matter to small claims court after/if they allow me to get my car back next week by bringing the payments current. Next can they demand the balance of the loan to release the car?
Any advice/suggestions would be greatly appreciated.

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