My husbands younger brother (18) recently (Jan) got a car with a finance deal. He has mental health issues and tried suicide last week over mounting debt amoungst other things. We have decided to let him move in with us and are trying to solve his debt issues and get him back to school to do his leaving. He can't afford his car and we really are trying to sort out his money. How would we go about getting out of the finance deal. Can we return the car and pay a penalty? or can we get a bank loan pay the finance company then sell the car and incur what ever loss? We can't afford to take over his debt either ( 24 year old couple with mortgage and baby). So if he had a loan he could manage to pay it would work. Also the car was 7500 and the total finance is 10,000. How much roughly would we need to pay. Is it like the bank where we'd pay any depriciation +interest accrued or would we have to pay the lot. Thanks in advance.