Voluntary Repo In MA, What to do?? Need Advice!!?

Your situation is becoming more and more common these days. Understand that if you choose repossession or bankruptcy, you will not be able to get anything with credit for a while, and when you do, you will pay a higher than normal rates. I know that these may be your only options, but sometimes people enter in to such things without knowing the true cost. Most lenders will make you wait a full year before even considering you after a repo.