i got screwed by denver colorado toyota aka larry miller toyota

i purchased 1994 toyota celica in 1999 of march. when i purchased it they told me to come back in a year and trade it in and get into another car with a lower payment then what it is now $363.54. well, come to find out i am totally upside down with this car at a 21% interest rate and by the time i pay this 5 year note off it will be about $20,000.00 something over probly for the dang car and now i can not trade it in unless i have about $4,000.00 to put down. i don't have that kinda money!!! the larry miller toyota won't even try to help me out and now i think i am almost forced to give it to the lender since my financial circumstances have changed and i can't keep up with the $363.54 anymore !! i am totally done !! help!

Cristyl
Longmont, Colorado