I would really like to answer your question about what someone I don't know will do to you for circumstances that only you know.... but my crystal ball is still in the shop!! They said it would be there for only a few days, but now they keep saying that they can't get it tuned up properly. Apparently keeps replaying the past, and not the future. I sure hope that they can fix it though, the Texas lotto is really getting on up there!!
And, if I can get my darn crystal ball back, and win the lotto, I might be able to help you with your problem. Until then though, I suggest you work more hours or get a second job. Otherwise bad old 'Mr. Creditman' might just come after you and come get the car and then add all kinds of fees to what you owe (towing, repo, auction, legal, etc.) and then come after you with a judgment. And that means that they can use all the legal processes (garnishment, levy, seizures, etc.) that the state allows.