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I would see if you can just forfeit the car to the repo instead of having the bailiff coming out to not have it look as bad on your record, then go finance another, probably cheaper car, before that whole thing with the other car goes on your record..
I had that problem once with a buy here pay here place, it kept breaking down and cost me much more than it was worth per month, so I gave it back after not paying a couple of payments because of that, then bought my car now cash in full..
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