<prompt> Human: Long story short: my brother bought a 2016 Fiesta ST brand new in 16, wasnt even close to being able to afford it. Not even sure how Ford financed him without a co-signer. Anyway, it needs to be forfeitted this week. Is calling Ford Financial and telling em to come take it the best course of action? He cant keep the car. Payment insurance is pushing 1200month and his take home is about 1500month. He owes 20k and Ill be surprised if the car sells for 10k at auction, probably 6-8k. So from what I understand is hell be on the hook for the 12-14k balance left over and have abysmal credit he already does. From what I see hell have trashed credit and a payment for years and years to come. You have to sleep in the bed you make, but I just want to make sure Im not missing anything here.Thanks.Edit: 425mo car payment and 730mo insurance  <response>: Fuck for 1200 I can get a model s with insurance. Wtf he must have a really bad driving record. 