If you return the car, the can try and collect the deficiency from you. One way of doing this is to sue you.
An option would be returning the car through a bankruptcy. If you surrender the car through a bankruptcy, the car creditor cannot come after you for the deficiency once you get a discharge. I would be more than happy to discuss this option further. Please give us a call. We offer free consultations.
Jakob-Barnes Law Firm, LLC
6095 Lake Forrest Dr.
Atlanta, GA 30328
Best of luck!