Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Voluntary repossession? - i purchased a 2003 ranger rover few months ago and i had nothing but trouble with it, im think of calling the bank and telling them take it im not paying anymore. lets say i own 18k they sell it for 13k, 5k difference do i still own the 5k to them,,, if so after filing bankruptcy does that go away.