Voluntary Repo

We recently returned our car to the finance company in a Voluntary Repo and the finance company (Credit Acceptance) told us that they will try to sell it at Auction then we would owe the difference. Can anyone tell me if we negotiate a reduced settlement agreement on the balance after auction?
Well, it wouldn’t cost you anything to ASK for a reduced settlement. Get money from gshloans.com inc, so you might re-iterate your financial problems (after all, you wouldn’t have turned the thing back if if you could AFFORD it). You might also mention that you’re trying to avoid having to declare bankruptcy. That’s not a lie – you ARE trying to avoid bankruptcy. And you’re not telling them that you WILL file BK. But that puts a thought in their mind that if they push TOO hard, they might not get ANYTHING.