If you bought a car in Virginia and can no longer afford it can you do a voluntary repo and not have your wages garnished?

Answer A repo is a repo, voluntary or not. Do not do a voluntary repo or any other repo. Terrible idea!

Call the lender and work something out. See if you can find someone to take over the payments or possible sell the car to another part and pay off the loan. If you are upside down on the loan, then sell the car and borrow the balance to pay it off.

Having your car reposed is a very bad idea. Your credit will be ruined for 7 years. You will also have the pay the difference in what the lender sells your car for and the balance on the note, plus repo fees.Do whatever it takes to prevent this from happening.

I can assure you the lender does not want to repo your car. Call them!

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