<prompt> Human: My mother has recently had some health issues and her life is changing. Ive taken over her finances and theyre a mess!.We live in New York State in the US. I have full durable power of attorney for everything a POA can grant so I can manage my mothers affairs for her.She has a lot of problems I am ironing out, and this is one that I need some advice on:My mother has a car. Ive finally convinced her she doesnt need it anymore she shouldnt be driving anyway. The loan and insurance are just draining her money needlessly every month.The problem is that her car is only worth about 4000-4500 according to Kelley Blue Book. She owes about 6800 on the car loan. The loan is almost 50 paid off. The car title has a lien on it I would assume, so the car itself is collateral for the loan. This means that I believe that even if I sold it and used all the money we got to pay the loan, not only would the lien remain, we would still be making payments on it.The car is a 2008 Hyundai Accent GS hatchback Manual in very good condition with about 60,000 miles on it. No rust, no mechanical problems, maintained regularly.Is there a mechanism where I can just surrender the car to the bank and we can just wash our hands of this? My mothers credit score is not good for various unavoidable reasons, but it doesnt really matter at this point in her life. We just want to get rid of the car and the loan in a legal way without getting her bank account frozen.Her only income is Social Security, which is protected. They cant take that money from her, but her bank account can still be frozen until we paperwork and law our way into getting it unfrozen. That would he highly inconvenient to happen as she has other bills that must be paid, and we dont have a way to pay them outside of her social security income. She has had no other deposits or income of any kind on her only bank account that she uses for her social security direct deposits.My mother has no paperwork at all on the car or the loan. Just the loan booklet. The rest has been lost.What can I do to best resolve this situation? I hesitate to even call the bank and mention anything of this to them as I dont want them to know what we are planning. Banks are evil.Edit: I thought it should be noted that while my mother shouldnt be driving due to her health state, she has not been declared incompetent legally or had her licence revoked.  <response>: What you are describing is called a voluntary repossession.Write the bank a letter. You want to say that you have power of attorney and that your mother is no longer able to afford the car and is not capable of making her own decisions. Tell them you will be surrendering their vehicle to them on X date at X time and hand over the keys to someone in the bank.Take the car to the bank, put the keys on the counter and wish them a nice day. They might tell you you cant do that, you can, just walk out.Tell them in your letter your mother has no assets and no income other than social security and any further communications regarding this issue may be made in writing to your attention at your address.They might sue her. If you write a letter to the judge stating your mothers mental state had deteriorated and you have POA, they will prob dismiss the case. Even if they dont, your mother is still judgment proof.They might threaten to sue you, as long as you didnt sign for the loan, they cant. 