i did this for my ex and it was his bike, now of course we broke up and wont pay it anymore. i cant afford it and i know my credit will be bad if i give it back but i honestly have no other choice. I can afford it. I know it was a stupid decision on my part. I just need to know what process do I take on giving it back. and how bad does it affect my credit and for how long if anyone knows? and do i need to talk to the dealership i got it from???? please help!