Did you have GAP insurance? I don't believe that will pay the full amount but would offset some of the costs.
Having a repo on record doesn't mean you can't get financed. What it does mean is it will be harder to find someone that will work with you and if approved, it is unlikely the rate will be anything enjoyable.
There are buy here, pay here places. You can do a search on these forums to see what other places people have went through. It seems to be a question asked often. Check the bankruptcy forums. I know many people were able to get financing right after their BK.
