Voluntary repo vs trade in or pay off?

Adding to the prior posts which a partially correct. Whether you have a voluntary repo or a repo doesn't matter. You will be charge what they call a deficiency balance for the remainder of the debt, if they sell the car at auction, add on storage fees, repo fees, etc. The repo will be a negative on your credit history. The debt can only be removed by either a bankruptcy filing or paying off the debt in full. A repossession should be the LAST thing you should do. Put a for sale sign on it and sell it!! This is why it is strongly suggested that you NEVER co sign for anything with anyone! If it's in any kind of decent shape...try a used auto sales location, someone after hearing your story may want to buy it, if it's worth anything....but...you're still responsible for any remaining debts. If you sell it, after you sell....sue the ex in small claims court for the money you have lost. Good Luck!!