We have a 2003 Cavalier that we bought in 2005. We have made 41 payments so far. The payments are 268.00 each month. The car will not be paid off until December of 2010. The price of the car when we bought it was 8900.00. So far we have paid 10,988.00. What I want to know is the rules and regulations in the state of Illinois on a voluntary repo. Would we still owe if we gave the car back?