<prompt> Human: So let me start by saying that I am posting this on behalf of a close friend of mine who doesnt have a Reddit account yet. Friend recently moved from GA to FL after buying a car from her very recent ex-husbands father. The engine failed and mechanics informed her that the engine would need to be completely refurbished. The car has an extended warranty which will cover up to 4k in repairs, but the warranty company requires the engine to be deconstructed to verify the claim this would cost 4k at the mechanic here. Her mother suggests she let the bank repo the car, I think thats ludicrous. She still owes 9k on the car, so if she has to pay for additional repairs, she will 1. Need a loan, and 2. Add 50 of the cost back to her debt. Were looking at breaking a cycle of generational poverty here- what are her options for responsibly perserving her credit and holding all parties accountable?  <response>: Start with a second opinion from another mechanic. 