Had a truck repo'd once (sucked but what can you do) time goes by and things get better....
I've learned when you're down you're down and it seems like shit just keeps coming until it finally gives and things then start to turn around...
FYI if you don't give a damn about credit (like me) b/c it's an absolute joke, and auction doesn't produce payoff, send it to collections and eventually settle one day when things turn around for pennies on the dollar..
Things will turn around and ALL the best to you!