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Banks screw people greatly on cars. You give the car back, you no longer have the property, but they force you to honor the "contracted value" even though you already paid for the actual "cost" of the car. A faked value, that you instantly lose.
It's a scam... You should make them sign a paper saying the contract is over. If they don't, well.
I saw this posted on another site, just a story I liked.... I wouldn't ever suggest doing this, just an interesting theory.
Go clean your car, park it in the street. Windows down, nothing really inside to steal. Early morning hours, gloves on, pop hood, pour sand where oil goes. Burn gloves.
Enjoy..
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