Depends if you got a good deal on your car, then everyone would want to take your payments. If you got an OK Deal that can be had today with a brand new 11 car, then it's going to be a hard dump. You can also call BMW NA, they will charge you a fee, but will take it back. Kinda of like your Phone's Cancellation Fee. I had a 350Z on Lease, and I had it leased for two years, and after a year, I was just bored with it and I gave it back to Nissan Financial Services. They simply charged me a little bit of Every Months' payment, and took it back. It wasn't bad at all, and it saved me a year of payments, insurance, and being bored with the car.