I live in New Jersey and I know about 20 years ago I had the same problem. I tried to voluntarily give back the car because I could no longer afford it. I called them and even said I would take the car to them, would it help my credit rating a little? They said NO! THEY had to repo it themselves. That stayed with me for 7 years. I hope this helps a little.
Yeah, a repo is an R9, worst derogatory remark possible on credit file. Worse yet, it's on a 'secured' loan, which is future credit problematic. After repo car will be sold at auction and while lender has a 'good faith' duty to recover as much of amount owed on your loan there will be a shortfall you are responsible for.
A repossession is a repossession, no matter if it is voluntary or not. Your credit will be ruined for 7 years.
A weight training program can affect males and females differently because their bodies are built differently. Typically, men are able to lift more weight, and their bodies are also built differently in their structure.
7 years.
sunlight affect land and water to due the heat.
Yes, but perhaps not as adversely as an involuntary repossession.
Absolutely. Repossession, whether voluntary or involuntary, show on your credit report as a charged off account. This designation is similar to a collection account and shows that you did not repay the vehicle loan. Such a listing in your credit report would have a significant negative impact.
Same as a regular repo. The creditor may still put the repossession on your credit report and it would stay there for up to seven years. Notice the word "may", because it is at the creditor's discretion...
voluntary motor activity.
Yes, there is no difference. A repossession is a repossession.
it's all the same whether you turned it in or they picked it up
That has to do with gravity and Earth's atmosphere.
Badly. Differently. Significantly.