That’s a shit situation. Fuck predatory lenders.
Tell him to set the car on fire in the dealers lot next to the more expensive stock.
JK. Of course.
His credit score can’t get any worse. Any further obligation to an overpriced car is bad. I’m 3/4 of a bottle of wine in and I’m having trouble with professionalism. But, I say walk away. Don’t pay another penny. Ignore bill collectors. It will be over eventually. After a couple years of not paying the PIECE OF SHIT PREDATORY CAR SALESMAN, the collection agency will accept a settlement payment of WAY less than the amount owed to just clear the books. That’s part of the benefit of shitty credit. Stick it to them.