I have a 1999 Chrysler T &C van that I can no longer afford payments. I want to return it to the finance company that have a lien on it--but a person wants to assume the payments for me until it is paid in full and I give her the title. The problem is the finance company and the dealership have a lien on it--can I just let her assume payments and use the vehicle for her janitorial business as long as she keeps full-coverage insurance on it and make the payments or do I just return it to the finance company?