system
A chat on subreddit /r/wallstreetbets
human
There is no such thing as a voluntary repossession unless you're selling it and paying off the loan.

You can voluntarily give it to the bank, but a repo is a repo.
gpt
Wrong. Theres definitely voluntary repo. It still fucks your credit. But you can at least save face with your lender...assuming that's important to you...by handing over the keys. In some cases, especially with credit unions, they'll at least try to work with you to find a solution, such as temporarily lowering your payments so you can keep the car.

Source: I worked at a credit union in a super low income area of St. Louis, which is one of the more blighted areas of the country.