Here's the sob story: I have a 2005 Acura TL with almost 70k miles on it. I owe 32k still on it at a 15.9% interest rate. My payments are almost $800 per month. Yes, you read that right. I have about five years left to pay on it. I recently became a student again and am no longer making the income I used to. I need to get out of this car and into something cheaper. From what dealers have told me, i'm around 10-12 thousand dollars upside down, depending on who buys it. I'm in a bad spot. I don't have the money to cover the negative equity, and have pretty bad credit. I'd be willing to do a voluntary reposession on it (its financed through Honda) except that i've read, heard and been told (by honda) that they will try and recoup any difference between what the car was sold for at auction and what is left on the loan by any possible legal means. So in summation, an $800 car payment each month really makes my life miserable. Does anybody know of any remedy for this situation. If all your answer involves is something along the lines of "your fault you got into this situation, suck it up and ride it out" then save yourself time and don't respond. I'm looking for helpful advice from people who KNOW what they're talking about. Thanks for any helpful advice you can give.