Hello, I am so glad to find this forum. If I can get any advice on what to do I would so appreciate it. I was able to keep up with my bills until I had a reduction of income due to reduced hours with my job. I am now 3 car payments behind and just received a repo letter. I have tried to turn every way to figure out what to do. The auto has a note of 22,900, but books for 16,500. I have a buyer for the auto from a dealership but they are only offering the 16,500 so I have contacted bank after bank and cannot get the difference to pay the loan. My credit score is 670 but due to the late payments I am getting a closed door each time. I am now considering just surrendering the vehicle. I do not know what to do. Bankruptcy is not an option due to equity I have in my home.