I’m in my mid twenties and didn’t really have a grasp on finances since being on my own. I bought a car in 2021 that was a problem pretty much since I bought it. The transmission died about a month after buying it and i lost my job due to my transportation being unreliable during that time. My finances took a big hit and I ended up teetering on the verge of eviction and couldn’t keep up with my car payment anymore. I let the car be repossessed in June. I know I could have communicated with the bank more and tried to see what help they could do for me, but I didn’t. I have a much better job again and don’t need to worry as much about transportation as I can take the bus to my new job and I can make monthly payments on the car loan again, even though it was repossessed and I only owe about $3000 left. I will also need a new car again eventually but there’s no hard timeline on that. I have an open lawsuit against me due to the repossession, and I don’t know what to do about that. I’m really scared. I know I’m young and I have a lot of time to get my finances back on track, but I’m just not sure where to go from here. Should I look into debt consolidation? Or should I talk to the bank myself and see what my options are with them?