This is really sad, emotions got the better of you buying this car,,, it's not that you got screwed on the rate, but most likely you purchased this vehicle having no credit history , my guess is doing the math your rate is more than 18% ?

Without going into detail trading down will never happen - re-finance for a longer term to lessen payments is 99% out of the question,,, that leaves you with only 2 choices,,, Repo or make payments.

i cant sell the car and say, still owe the difference? And just pay on that until its gone?

No wonder you got in trouble the first time,,, NO,,,

You cannot sell the car without paying the lien holder. whom is the lien holder ?

Did you put any money down when you purchased this car ? How many payments you got to go ? what model is the car ? how many KM on vehicle now ?

GMAC financing, 1500 down, 11k miles, 5.5 yrs left

OUCH - that works out to $34,620 you paid out the door.

Nothing is going to work in your favor, but if you want let's look at the overall picture to see what your best approch may be.

For starters phone GMAC tomorrow and request a payout amount.

if you want our conversation not to be public email me with the amount, your choice.