I am in the process of buying a new car. I hate dealing with car dealerships. My current truck Iam about $6,000.00 upside down on. The sales manager at the dealership is telling me the best thing is for me to do a Smartbuy or balloon payment as its also called. Were after four year I can bring the new car back and walk away as long as its in good shape and with in the mileage. I get to walk away owing nothing. So were dose the negative equity go? Has anyone ever done one of these? Thanks for any help.