Has anyone on here had to do a voluntary surrender on their car, and had it shown up as a chargeoff on their credit report? I had no choice but to do this on my Eclipse, because they payments were killing us. I ended up getting a 2004 Toyota Matrix, which lowered my payments to well over $100, plus the drop in my insurance helped me. I know that they will sell the eclipse off at an auction, and it sounds like to me that my credit union will be working with us, so it won't show as a voluntary repo, that they will just work out some payment arrangement with us. I am not by any means proud to have done this, but at this time it was our only choice. I've also started cooking @ home for dinners
and we dont get food every singe night anymore, either, and we take our lunches to work. I have also slashed our satellite bill in half from $80+ a month to $40 a month, by cutting out the premium channels. I also am looking for a higher paying job.