Any repossession will appear on a credit report, voluntary or not. Where it makes a difference is when the potential new lender calls the original lender and finds out the situation. Lenders don't like vehicles being turned in, but it's like paying taxes, even though it is not what is desired, it happens. Calling them won't necessarily make them mad but be ready for them to try to talk you into keeping the vehicle.
Sure, there is no law against it.
The credence company keeps calling you because they likely have important information or business matters to discuss with you, such as payments, account updates, or other financial issues that require your attention.
Credence is calling you because they likely have something important to discuss or communicate with you.
Yes.
Payments for those goods which are used to produce other goods are called interest ie payments (remuneration) or capital.
Legally, only you and the company employing them, oh and the government.
Yes, when calling a suicide hotline you would definitely have a real person on the phone with you, to discuss your problems and your needs and circumstances.
Credence Resource Management may be calling you to discuss a debt that you owe or to offer you a service related to debt collection or financial management.
Information in the lnks below but also discuss with your lawyer.
Credence may be calling you because they have something important to discuss or they may need your help with something. It's best to communicate with them to find out the reason for their calls.
Payments for the applications of human efforts for the production of goods and services is termed as wages.
Go to the citizens advice bureau. Discuss your situation with them. If you do this, your life could begin again.