Help!!! my car has just been reposessed, if you been thru it before , please...

[ffgurl75]

...give me some good advice? They reposessed the car last week, and told me i do not have the option to bring the payments current , they now want the full balance which is $14k, they also told me to get a loan with someone else, they done doing business with me. I have tried paying my car note on time, but i have had some financial woes lately, raising a little baby by myself without the father's financial support, so it has been tough for me. My major concern right now is when they will take me to court for the remaining balance, because i definitely will not be able to pay a $12k car note without having the car, i simply can't afford it, should i get a lawyer to represent my case against the bank, or should i file for bankruptcy, i never even wanted to file bk, but i may have to......i need your advice, thanks