Because I have 60 grand in payments on the truck already made. Not walking away from that so that Wells can take it to auction and roll it for 20. That equity is mine. There is more to the story here, I admit. but I am just not wanting to get into it. Needless to say, I owe about 9800, it's worth around 15-18 grand. I could trade it in, but why start over when I have spent the last 6 years paying on it. Last resort is to trade it in or sell it to a wholeseller buddy of mine.