<prompt> Human: Im upside down on my car. Its 2015 and has less than 35k miles.Im contemplating on buying a condo walking distance to the city I love. A 8 min commute from work. And everything I need is walking distance.My credit score is upwards of 800.I dont need the car anymore, and I can afford the condo an the car, but I simply would rather put the car money towards the principle.If I volunteer repo the car as my mom suggests, btw her credit score is horrible, will it hurt horribly?  <response>: If you voluntarily have your car repossessed, you credit will take a big hit, and you will not likely be able to secure a mortgage. 