Should I let my car be repossessed?

I have car loan with UAC/Car Hop (worst decision ever)! I am having trouble making the payments and it is becoming clear that I need to let this car go back. My credit isn't great to begin with (hence the need to go to car hop/uac). I have tried working with the bank and they aren't willing to do... show more I have car loan with UAC/Car Hop (worst decision ever)! I am having trouble making the payments and it is becoming clear that I need to let this car go back. My credit isn't great to begin with (hence the need to go to car hop/uac).
I have tried working with the bank and they aren't willing to do anything.
I just need advice.
I am thinking about bankruptcy after this to clear it all out and start over. I know my credit is screwed for 7 years but it will be with a repo anyway.
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