First, talk to the lender and find out where they would want the car brought to, Second, before you take it there, make sure the paper work is there and ready for you to sign, third, make sure you clean out the car before you get there and fourth, make sure someone is still in the car when you go in just in case the paperwork isn't ready. If there is not paper work for you to show that you are signing it over, don't leave the car. Please remember--no matter what--this will show up as a repo- voluntary or not on your credit reports, AND your co-signers if you have one. It would be better to try to make arrangements to keep the car unless it was a lemon to begin with. Either way you are going to pay--credit wise and pobably deficit-wise. Meaning that if the car is auctioned or sold off and a balance is remaining, you will have to pay that balance--that is why it may be better to keep the car. Good Luck! Yes. Most of the time if you don't "hide" you car or give it up when the repo-man arrives, you may be able to redeem your car. yes. you can avoid embarrassment by taking it to the dealer nearest you; of course, the same make dealer.rather than allowing some tow truck to get it. Dont ever just drop your vehicle off at a dealer. Some major lienholders will tell you to take it to a dealership to V/S it. Be ware, that works as a V/S (vol./surrender) only if you sign a vol./release/agreement form. No signature, results in an abandonment by you. Costing you the cost $$$ of court paperwork to release your part of the ownership. Now this is in Louisiana. Don't quote me elsewhere. Lienholders can pick up collateral abandoned with proof, and the dealership don't want to be responseable for your vehicle. Faster then a speeding bullet, they call the lienholder to explain the abandonment of collateral. Oh by the way, dealerships are not always the lienholders. Dealerships are "Farmers" selling apples and oranges (maybe some lemons). They got their money in the start from the lienholder.
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