I live in CA and own a travel trailer. I owe way more on it than it's worth, so I cannot sell it. I would like to get rid of it with the least effect on my credit. My payments are up-to-date and I have tried contacting the bank twice now for options, with no luck. Is it better to just turn it back over to the bank? Fall behind on payments and let it be reposessed? My biggest concern is tax consequences, not credit score.