voluntary surrender

[shadow]

Like I said - I'd rather not assume.

Yes it's the most likely reason, and if I had to put a bet on it, I would wager that it's a matter of not understanding the gravity of the expense.

But if I assumed the answer already, then no fruitful dialogue can happen. Sinagot ko yung sarili kong tanong eh.

In my line of work, you never preempt answers. You ask an honest question, let them answer in their own words, have discourse, and from there you get to discover new insights that you probably wouldn't have stumbled upon if you just assumed and cut the dialogue outright.

Just as in your previous edited post - you assumed he knew his options, that he knew the impact to his credit rating, and so on. You assumed that he knew all the possible consequences of surrendering the car yet you also assume that he didn't know at all what he was getting into when he loaned the car? Your assumptions are convenient for the point you're trying to drive but they don't look very coherent - what's more likely is that either he's knowledgable about the entire process from loaning to repossession, or clueless about the entire thing. But again, the best way to know is to ask, not assume.

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Yun consequences na sinasabi ko was after the fact, hinde na mabayaran, hinde pala kaya. So surely before anybody decides to find ally surrender the unit. Lahat ng options naiisip na umutang, pa assume ng balance, sell.an organ or whatever.

But before bumili ng kotse, marami hinde na iniisip yun consequences na ano mangyayari kung hindd mabayaran. If that's the case Eh di walang nagsosoli ng kotse or Mahatak ng bank.

At the end of the day, hinde niya kaya pa maghulog ng kotse. He's not financial capable. It's an educated assumption. I didn't assumed na dahil nawalan ng work, Death in the family or whatever.



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