I no longer working and I have a financed veh for 1 yr now. I can't afford the monthly payments. Also the transmission is going on the car. And my warranty has ended in July 08. What should I do about the car. I wanted to return it to the dealer I got it from but I just don't want to owe anything on it.

Sorry, but that's a no go. If you return it to the dealer you will still owe the balance of the loan. Your best bet is to try and sell it, or see if the loan is assumable. You can then get someone else to take over payments.