Hey Ray,
I'm thinking of returning a 2008 Susuki grand vitara back which i've had since September. I was able to pay off the monthly installments but now i cant manage to pay it off. What options do i have? Can I return it back? What can i do in the meantime? and what i considered a lease or a buy? I know its a buy but i just to make sure.

I don't fully understand your Q

Are you in a lease ? - with a buy back option or financing

Nope I just want to return a new car i just bought around September?