u/ConstantlyShaken

I need an advise, please don't judge me as we had a problem with finances last quarter ng 2025.

We have a car loan that was taken August 2025, since we had a problem financially we missed some payment and decided to surrender the car kaso sabe ng financing pag sinurrender namen at mababa na ang value ng car we still need to pay the difference. I'm really anxious about this thing. Of course ayokong bitawan yung car kaso its causing me my peace.

The problem is wala din talaga akong pang payoff ng difference sa value ng sasakyan if isusurrender ko.

Please advise someone who's already depressed.