1. for your car - got somebody close (frens/relatives) to buy it over from you and repay them monthly. you x wan it to get towed away when you finished the hp service. A bankrupt x own property.

2. for your debt - seek jim IMMEDIATELY for clearer pictures/indications/solutions. It may let u know how & what to do & plan for your next 5 - 10 yrs.

3. your brother - small business to earn living is permissible.

In few years time with your brother & urs total income, to settle the 60k loan is easy as the money value depreciate.