My daughter's husband has left her and also left her with a mound of debts. He was careful in making sure she used her credit, which had been good prior to her marriage to him. He talked her into buying a Toyota with their "smart buy" financing. There is NO way she can afford this vehicle now that she has no help at all. The payment is far more than she can meet. She also has a house payment and other debts. I have bought her another vehicle and she is going to have to return the vehicle to Toyota. Question: What can they do to her? There is no way she can afford it, and she had asked them if she could downsize, and trade it for something less expensive. The problem is that they have her upside down and the car is financed for more than it's worth. Her credit is probably no good now anyway, so I suggested that she just take the car back to the dealership and leave it there. Is there no law against financing something for more than it's worth? What is so aggravating is, she had a vehicle on that they gave her absolutely no equity. Thanks for any answers you might give me. We live in Arkansas.