Is Owner Operator Great ???

Some companies will hire you as a company driver. They hire drivers with recent rollovers, so hiring you won't be a problem.
Where is your location?

 

Lake City fl

 

Try Craigslist.
Couple of drivers on this forum found jobs there and they had over a dozen tickets and fender benders.
They both said they made dozens of phone calls and left dozens of phone messages and didn't take long to be on the road again. They did that even though they thought they wouldn't be hired. Never know until you try.

 

you just came right out and said it, didn’t ya?

 

If you can afford start up cost I would suggest load boards. The money will suck at first but as you get experience and funds you can get better loads and work. As well pick up a trailer
You can get tractor loads and watch to see what kind of loads move most in the area you want to operate in and then look at getting a trailer.

 

20k in cash or credit for repairs.

 

Nah I'd have more

 

I can't tell you anything that the other members haven't already said, but I can point you in the right direction: right back to truck driving school.........for several years.