Hey guys, hope to get some opinions or advice for my situation here. It’s about the following, my wife and I completed a car financing a couple of years ago. Since our financial situation has changed a lot now, because we have also now got offspring and at that time just acted stupid or unthinkingly (you just have to say it like that) in short, the car is just too expensive to entertain us. Now maybe 40% are paid off and the Financing would still run for quite a while. Since unfortunately we do not have the means to redeem the loan just like that and yes also are not in possession of the vehicle letter was my consideration to get out of there as quickly as possible to apply for a debt rescheduling loan, then replace the vehicle and sell it. I am aware of the whole with loss vebunden. By the proceeds we would buy another vehicle and use the rest already for payment. So at least the plan was bi s now, if someone gives us a loan. I heard you could return the car even before the final rate is due at the dealer but as long as we don’t want to wait, want to reduce the running costs as quickly as possible. Would like to get some opinions, tips or something like that. How would you do it in such a situation. Thank you all already. LG