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car loan sold to collector


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I bought a car in canada over 3 years ago and was paying on time even though i moved to us. the problem is that since august i haven't been able to pay anymore, and even left the country in search of a job. now that i'm back i found that the loan it's being sold to a collector in 3 days, tried to negotiate with the lender but they want a lump sum for the amount i'm behind, which i can't do. i need to keep the car because is my only mean of transportation. can i try to refinance here in the us? negotiate with the collector? what would you recommend? thanks

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