Its just not fair...

I put EVERYTHING i had into getting this stupid vehicle and its almost paid off..it breaks down. Iv3 been without it for 2 months, im 8 grand in the hole and i cant afgord to pay it off. Go to trade it in, they wont take it because its not running. They say its too much debt ratio. So now what?
They say pay it off then cone back..uh yeah but it doesnt run! Repairs costs 12 thousand dollars! Their advice?
File for bankruptcy..and hurt my alreaady screwed up credit..no thanks..why do car places do this?
It was a 38 thousand dollar car! I paid 30 grand only 8 grand left and i cant aggird to fix it..nice yard ornament..sucks to be me right now.