IF YOUR UPSIDE DOWN AND TOOK A PAY CUT YOU HAVE ZERO CHOICES OTHER THAN LET IT GO. THE DEPRECIATION ALON E PUTS YOU UPSIDE DOWN FOR 2 YEARS. THEN THE NEGATIVE YOU ROLLED IN THE LOAN BECAUSE THE DEALER ONLY PAID XXX FOR YOUR OLD CAR WHICH IS USUALY WAY UNDER ROUGH NADA TRADE IN. THEN WHAT SMART GUY. IF YOU HAVE NEVER…