Tips on Buying Cars: RETURNING THE CAR, voluntary repossession, chrysler town

Question
HI. I BOUGHT A 2006 CHRYSLER TOWN& COUNTRY I HAD THE 2-MONTHS,I'M SUDDENLY IN A FIANCIAL HARDSHIP AT THIS TIME,I CANNOT KEEP UP WITH THE MONTH PAYMENT&INSURANCE,THE CAR HAS 32000 MILES FINANCE 9.9% CREDIT RATING 750 ZIP CODE 11212,DOWN PAYMENT 7,000 IF I RETURN THE VAN WILL I GET MY DOWN PAYMEN BACK

Answer
You've had the van in your possession for two months?  No, you definitely will not get your down payment back if you return the vehicle.  Returning it now will list it on your credit report as a repossession, which will destroy your credit rating.  The bank or the dealer may refer to it as a "voluntary repossession," but it still has the same negative effect on your credit as if the bank had to come to your house, pry the keys out of your hand and haul the van away on a tow-truck.  Your best bet is to sell the vehicle yourself and pay off the loan balance, or trade it in for a more affordable car.