Here's a laugh
"Jim" is filing bankruptcy with me to clear his medical bills, credit card debts and get rid of a RAV 4 that he can't afford to have repaired. The repo man came for the car. "Make one more payment," said the repo man. Then it will show on your credit as a voluntary repossession."
Jim knew better, but checked with me to be sure.
No, there's no difference on your credit worth paying an extra car payment, to make your repossession "voluntary."