Uber does count on mathematical illiteracy fostered by our wonderful system of education. Once a driver wakes up and smells the coffee he/she will probably want out. A problem arises for the ones who are trapped in a sub prime 22% interest sub prime auto loan.
While I am not a lawyer or a financial advisor, I want you Uber drivers who feel like your backs are against the wall all to know that your credit score is already shot to shit so there might not be much of a downside in either just walking away from the car, and/or filing bankruptcy. It's hard to face the realization, it's a bitter pill to swallow, but your alternative may be a physical and mental collapse. You just cannot keep going out there banging your head against a freaking wall.
Tell the judge that you went broke giving bottled water to cheapskate millionaires.