Should I reclaim my repo?

It appears that you are forgetting that you are still responsible for the cost of the car and the fees, if the car is repo-ed. You are also responsible for any costs they incurred (paying the repo company and any repairs or other stuff). So they may incur $1500 in fees and end up selling the car for $3000. $4400+$1500 = $5900 - $3000 (what they sold the car for) = $2900. So the lender will come after you for $2900. They will get a judgement against you and eventually garnish your wages.