I am baffled, are they doing neg am loans on cars? Isn’t a 2004 still under warranty. How are you still down 17k three years into it? Do they do helocs on cars now? Is the 6k what a dealer told you was the the trade in value, because they always go below low blue book, maybe you can sell privately. I am still baffled, I bought a new honda in 03 and a new chrysler in 04 (same depreciation issues would apply) and put nothing down on both my cars, taking a five year loan on each. Sure they were probably upside down the first year or two but both are at least even now and getting close to being paid off. Actually I bet the 2003 oddysey is worth far more than the 4k I owe on it. Only the honda is out of warranty (who the hell cares they don’t break) and Dodge/Chrysler gave away 7 year warranties for free in 04. What are “repairs”, breaks and tires? Reliability aside, they all need those but replacing transmissions and engines on a 2004? That’s a warranty issue.

More info please, we can’t solve your illness without the symptoms. What did you pay for it and when? Did you roll a past upside down car into the current loan? Did you take a ten year loan or something? I just keep looking at the numbers and can’t see how three years later you owe 80% of the sticker price.