Late On Three Payments Is An Automatic Repossession

I had a roommate who was going to make my payment for me. I kept telling her they were calling and she gave me the runaround which made the payment late. Then she up and moved out five days before rent was due and owing me two months of utility payments. Then next day after she moved out I found out her rent payment bounced so I had to cover it to avoid eviction instead of paying TitleMax. So because of her drama I ended up with three late payments andwhen I went out to walk my dog at 5:50am my car was gone. Called the office and it was because of the drama my roommate caused that my car was repossessed. I was told I had to come up with $4161.00 because of three late payments. They may have been late but the point is THEY WERE PAID. Now I have to have my 85 year old mother wake up at 5:00 in the morning so I can get to work. Not sure what happens from here.