Debt Negotiation Advice - Can you negotiate a car debt? (like you can negotiate credit card debt.)?

Can you negotiate a car debt? (like you can negotiate credit card debt.)?

I am paying 23% interest and want to get it lowered or pay off the car at what its worth. I owe 30K and the truck is worth only 18K.

Nope, you can't negotiate. It probably was a collateral loan, so if you don't pay they will just come and get the truck. Plus, they will probably sue you for the difference between the value of the truck and the amount you owed. You can't just re-negotiate because the truck depreciated. That's what happens when you buy a vehicle. You signed the contract, and they have more leverage on you than a credit card company because of the collateral and the high amount of the loan.