First of all you have to admit that you have done a mistake and actually a big one, second if you want to learn from this mistake you have to accept the consequences of your action else wise you will be repeating the same, then the solution of this problem will be as follows you will have to go to jail and serve sometime there then the court will take you out but you have to have an attorney to that case you will have to provide evidence that your in a deep sh**y situation, which will make the judge think how to divide the amount for you, but I still recommend that you serve sometime in jail for the irresponsibility actions you have done, you should have surrendered the car at least after two months and not more. anyways good luck and take a lesson from this one for next time.