Weighing a voluntary repossession in Ontario? Here's an honest guide to what surrendering your car really means — how it differs from a seizure, what it does to your credit, what happens to any shortfall (and why that's a question for a Licensed Insolvency Trustee), and how to start rebuilding afterward with Legacy's in-house leasing (O.A.C.).

Need a vehicle before filing a consumer proposal in Ontario, especially with negative equity? Timing matters: many non-prime lenders wait until your proposal shows on your credit bureau. This guide explains what lenders look for, how Legacy Auto Credit may be able to approve its own in-house lease before you file (O.A.C.), and why your Licensed Insolvency Trustee should be part of the plan.