Ouch... That's a tough situation to be in.

The $1300 repair bill is a bit under half the payoff. If it were me I'd forego the repairs and pay it off. Then sell it for whatever I could get out of it. I certainly wouldn't put any more money into it at this point considering it's not even worth the payoff amount. If you put another $1300 in it you still owe $3100. I don't see how that would help the situation at all.