<prompt> Human: Husband went through BR about 4 years ago. After, he and wife bought car, then they seperated. He has been paying on car since. She is now claiming BR and the bank is getting worried about their money. He wants to refi, but she missed 2 payments several months ago and the bank since denied him a refi to take her name off car. IT is worth 22K they owe 25K.He is worried they will repo car and it will kill his credit. Does he have any options?Assistant: Sell it and buy a beater. This couple obviously has massive money management issues. There is no fix for this particular issue because clearly there will be another one in the near future. They need to adjust their standard of living because they obviously cant afford it. That is the only option that will actually yield long term success.Human: They owe 3K more than its worth, and I doubt they have 3K sitting around to pay the difference. I would stop paying on it and let it get repossessed.Assistant: Then his credit is screwed. He is trying to rebuild it after his BR.  <response>: His name is on the car loan, and if he wants to keep his credit good, then it cant get repossessed. Hes got two options:1 Continue making payments on the car. If she is driving it, she should let him take possession of it.2 Sell the car at some point. If he owes more than he can sell it for, he will need to make up the difference. 