3 Answers

Why don't you just let the creditor take it? Sounds like you are going from the frying pan into the fire by pulling a stunt like that.  

OR, try to get your payments reduced by extending the payment period. 
 

The pawn shop won't take your car without a clear title! (as in a loan) Also be aware that if your car is repossessed you will still owe the money after the sale of the car-If your car sells for $1000.00 and you owe $1200.00 you are still responsible for the $200.00!

You probably could depending on the value of the car (and clear title), there would be a lot of paperwork,  and as @Bob/PKB wrote, you can make arrangements with the pawn shot. Will cost you but at least you'll have a car.......