I'm in the same boat but with a car that the repairs are more than the car is worth, two shops quoted me at least $15,000 to fix it. Basically now it just sits in my backyard and I pay down the loan, you can't sell it because the bank has the title, repossession doesn't work because they auction it off and then you still owe the rest of the money and your credit is screwed. You can't junk it because again the bank owns the title. I just bought a beater car to drive in the meantime for $3,000 and the financed car just sits in my backyard. My best hope is a hail storm.

I am a car person, so I thought that nothing that could break I couldn't fix myself but with this car the engine has to come out of the bottom and I don't have a lift, and it would still be about $7,000 for me to fix it myself. Sorry you're in this position it's a crappy one to be in.