Your only hope is to talk with the bank possible refinance through them unless you have distroyed your relationship with them some will negociate with you they can call a notr due for nonpayment something you need to know the bank is the true owner of your car there can be legal ramifications for not returning their property==talk to the bank they realy dont want to be in the used car bussines oh by the way sooner or later you will screw up and they will find it
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