From your story you sound as though you are in the States, this website deals with UK repossession issues and as such we won't know the law for US repo's. Its unlikely that you would be able to get away with not paying a shortfall if you handed it back to the lender. Perhaps though you might want to get in touch with your lender about maybe them intervening and persuading your landlord to let you rent it out. They may be willing to assist if its in their interests too.(posted 8205 days ago)Sorry, can't help any further.