My question involves an auto loan or repossession in the State of: GA. I cannot make out what Georgia Code - Commerce and Trade - Title 10, Section 10-1-33 actually means concerning finance charges. Can anyone translate?

I purchased a car on impulse and can't afford the payments. I know I made a mistake and I don't know how to make it right. I am considering a voluntary turn back to the lender. I have found lots of information in the GA Code, but I can't find information on any benefits to doing a voluntary repo. Are there any? Should I just wait for the lender to come repossess the car?

I am also looking for information an what a deficiency judgment would entail for me.