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We can't enjoy others as God desires us to if we don't get God's love unconditionally. God's love is a continuum" from him to us to others. If we feel God is requiring, under his law, then we demand things from others. But if we understand his love, in grace,-- then we can like others as Jesus enjoys us!
Experience counts. You are betting on his abilities to represent you if the lawyer you are going to get has just managed a case or 2. Anyhow, excellent attorneys, no matter how short time they had spent, has the power to win any case. But you have actually got to ask for a coach for that Repossession Attorney need to you feel uneasy with him managing your case single-handedly.
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Before it is too late, start fixing the damage. If you can not do this alone, do not hesitate to ask for help. In the future, you may pay all your financial obligation and live your life with fewer concerns.