Lets say you've had enough and you want out of the business. The only problem is you owe more on your truck then it's worth. Try doing a short sale with the bank and send them a letter of hardship. Tell them that you are going to sell the truck back because the economy is down and your not making enough money. Send in copies of your bank statements and show that you can't afford to pay 50% back to the bank because truck values are way down. Just a thought you could try short selling the truck and walking away.