You always have an unrestricted right to fire your lawyer, whether you owe him money or not. If you don't think it's too late to salvage the representation, fire this one and hire a new one, The lawyer is not ethically allowed to withhold your files so you could get a new lawyer started on things of immediate concern.
The decision not to request a default was probably a wise one, since defaults are easy and routine to vacate and just cost both sides more in legal fees and you've got a reasonable concern about keeping costs down.
However, not addressing the car payment issue and then missing your last appointment are pretty bad. It might be possible to express your concerns to this lawyer and get these things address, so you might want to make your wishes clear before you fire anyone. if this can't be fixed, there are plenty of lawyers out there.
Disclaimer: Please note that this answer does not constitute legal advice, and should not be relied on, since each state has different laws, each situation is fact specific, and it is impossible to evaluate a legal problem without a comprehensive consultation and review of all the facts and documents at issue. This answer does not create an attorney-client relationship.