Title loans company have right to repo, but I believe debtors have also a right to protect their property?

I recently took out a $2,000.00 title loan on my 2004 Ford Explorer and found myself in a position where I can't replay the loan back. I understand the title loan company needs their money but I need my car. I did not have a job when I took the loan and still can't find suitable job.

The tilte loan company recently wrote to me about handling the car oveer to them and I don't want to do that. They claimed that I owed them close to $3,695.00. I want to know what within my rights I can do to protect my car. I purchased the car for $ 8,000.00 and giving it back to them will kill me. I want to repay them back but they want me to give them so much that I don't have. What can I do at this time to protect my car?

I want to repay them. Please reply with advise. Don't tell me I need to repay the loan. I know that already.

About how much would it cost if I want to convert my 2wd to 4wd?

Ok so I have a 2003 Ford Explorer Sport Trac. Don't tell me that I should of gotten it 4x4, it was passed down to me. Anyways how much would it cost with the parts required and average of labor to convert to 4wd. Trust me if I could have chosen a 4x4 I wouldn't have thought of it twice any dumbass answers will be reported. Thank you if you take your time to help someone in doubt

Is 2600 dollars a fair price in ford for a broken rear timing chain cassette on a 2006 explorer?

I took my explorer to ford and they diagnosed that the noice I been asking about is coming from a the rear timing chain cassette. So they have to pull the motor out and service the broken cassette. My problem is I'm getting charged 600 bucks for parts and I found in ford parts the timing chain kit is only 255.33 plus tax I know a couple of gaskets need to be put on but I have doubts that is 600 dollars worth in parts