Im in a situation where Im not able to make my $639 a month car payment anymore, on top of that $118 for insurance each month. Im getting way behind,(2 months now). They want me to get caught asap or voluntarily surrender the vehicle. They said over the phone I would be responsible for "auction fees" if I give back the car. I'm sure I will owe them the remainder of what I owe less what they sell it for. Is bankruptcy the only way to avoid having to pay this deficencey? Can they garnish my wages in NC?