My vehicle got reposessed is my credit ruined ?

Your credit could have been saved if you had bought it back from the bank before auction .. Since that didnt happen.. You are pretty much screwed .. Now you are a deadbeat who couldnt buy a pack of gum on credit... Heres the real pisser, You are going to have to pay the difference between what it sold for at auction and what you still owed the bank at reposession.. If you had followed my advice months ago and gotten your shit together and focused a little bit more on things that are really important in life you wouldnt be in this mess .. So let this be a lesson to everyone.. If you dont take Zeeke's advice.. HORRIBLE THINGS WILL HAPPEN ..