<prompt> Human: My girlfriend picked one of the shadiest used car dealers around. She has paid over the cars value in payments plus as much interest as any high-interest loan would have had.. and 4 years later theyre still saying she owes ten thousand.Her credit union is having processing issues last night and the car company attempted to debit a payment which was unable to go through, and this company ofcourse now is going to tack on a bunch of fees. She is done. Cant she just drop the car back off at the dealer and wash her hands of this?Its just an economy sedan. With what she owes left we could get something much nicer.  <response>: Your story is shady. Shes paid for than its worth or more principal than what she signed for? She has to pay off the principal. If the credit union is having issues they should cover any late fees.No you cant just drop it off. You both need to be adults and pay for what you signed for. She can trade it in for less than its worth if she chooses. 