<prompt> Human: My significant other lost his job over a year ago leading to all financial responsibilities to fall on me. Due to that, my auto payments fell behind and my auto loan has been charged off as of 1 business day ago. I still have possession of the vehicle, but I assume not for long. Due to the holiday weekend, I have not been able to speak with the lender, GM Financial.Is there anyway I would be able to keep the car without having to come up with the full amount owed?Has anyone ever got a lender to work with the to keep the car after a charge off?It is a lease with only a few more months to go. I would owe 2000 in back pay, but I have no savings and no options to get money familyfriends are not an option.Would I be able to get a new loan to buy the car?I have a horrible credit score. Would bankruptcy be an option as I am already debating it?Do I surrender the car and try to get a new car?My work is not near any public transit, so I do need a vehicle.I realize this is my fault for being so horrible with taking responsibility for my actions, and not keeping up on the loan.  <response>: The lender will probably not work with you at this point. It never hurts to ask if you can work something out, but the lender likely wont work something out without a fair sized up front payment. Think of it this way, the longer you have the car the more it depreciates. They are already going to eat a loss. If you dont pay them and keep the car longer, they eat more of a loss. Since you likely have poor credit due to the auto loan default, the lender wont want to chance letting you keep the car longer. In your current situation, keeping the car might not be a good choice for you either. If it is a lease you will have to return soon, paying something up front for the car to keep the car would likely cost more than just losing the car. Given your financial situation and the charge off, the lender probably wont sue you for the money. While they technically can sue for a judgment, collections is expensive and most lenders dont bother if they dont think they can get the money. In the near term, cash flow is the most important issue for you. In the mid-term, fixing your credit with maybe a pay for delete type offer might make sense. Try to get together money for a beater car to get to work. A loan probably wont be practical for a car given your credit. 