<prompt> Human: Hi PF,I have an unfortunate family situation. A family member who has made extremely poor financial decisions in their lives bought a brand new car a couple of months ago. They financed it. Car is about 32k.We have since tried our best to help them get a handle on their financial situation. However, there is absolutely no way at all they can afford the 500mo car payments. Things are so tight, even 100 bucks a month would be a lot for them. Again, very bad choices.Anyways, the loan has not been paid. The car will be repossessed as there is no way to pay for this at all. Are there ANY options? We have heard the dealer will tow it back for 300, then sell it at auction for say 20k, leaving my family member in 12k of debt with nothing to show for it at all.Any hope for this shit sandwich of a situation? Are there risks of her wages getting garnished? edit: some words  <response>: not really... sell it themselves for perhaps a favorable amount, but that only works if they can find the difference in cash to get the title... and Im guessing not. 