Car got repossessed this morning, $36 in savings, what can I do?

[MatiasMyles]

This morning I woke up to a tow company knocking on my window telling me my car is being repossessed.

I have to call the bank at 8 (It is 7:15 now) to find out what to do to get my car back.

My income is about $400 a week, car payment is $257/m and I am behind 4 payments. Insurance is $130/m. In addition to these expenses I have credit debt which runs about $200/m.

I have a spending problem that I'm still getting over, I recently set up a budget and have been adhering to that pretty strictly.

I'm also a full time student. What do I do to prevent my credit from taking a huge hit, and to get my car back? I need it to move back to school on the 1st of September, and for some work. (I mostly work remotely)

[MIKE770]

this is a UK site, problem in arrears then as any country repossession takes place, and usually and means outstanding monies owed to loaner and that's another problem! maybe somebody will respond also, but as far as car goes cannot see you would be able to pay it off quickly?