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Spodek Law Group handles tough cases
nationwide, that demand excellence.

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Faced 5+ Years in Prison

People Vs Joseph Amico

Covered by NYDaily News. Las Vegas man accused of threatening a prominent attorney and making vile remarks.

Faced 10+ Years in Prison

People Vs. Anna Sorokin

Covered by New York Times, and other outlets. Fake heiress accused of conning the city’s wealthy, and has an HBO special being made about her.

Faced 3+ Years in Prison

People Vs. Genevieve Sabourin

Accused of stalking Alec Baldwin. The case garnered nationwide attention, with USAToday, NYPost, and other media outlets following it closely.

Faced Potential Charges

Ghislaine Maxwell Juror

Juror who prompted calls for new Ghislaine Maxwell trial turns to lawyer who defended Anna Sorokin.

Why Choose Us

Clients can use our portal to track the status of their case, stay in touch with us, upload documents, and more.

Regardless of the type of situation you're facing, our attorneys are here to help you get quality representation.

We can setup consultations in person, over Zoom, or over the phone to help you. Bottom line, we're here to help you win your case.

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Meet Todd Spodek


The Spodek Law Group understands how delicate high-profile cases can be, and has a strong track record of getting positive outcomes. Our lawyers service a clientele that is nationwide. With offices in both LA and NYC, and cases all across the country - Spodek Law Group is a top tier law firm.

Todd Spodek is a second generation attorney with immense experience. He has many years of experience handling 100’s of tough and hard to win trials. He’s been featured on major news outlets, such as New York Post, Newsweek, Fox 5 New York, South China Morning Post, Insider.com, and many others.

In 2022, Netflix released a series about one of Todd’s clients: Anna Delvey/Anna Sorokin.

Why Clients Choose Spodek Law Group

The reason is simple: clients want white glove service, and lawyers who can win. Every single client who works with the Spodek Law Group is aware that the attorney they hire could drastically change the outcome of their case. Hiring the Spodek Law Group means you’re taking your future seriously. Our lawyers handle cases nationwide, ranging from NYC to LA. Our philosophy is fair and simple: our nyc criminal lawyers only take on clients who we know will benefit from our services.

We’re selective about the clients we work with, and only take on cases we know align with our experience – and where we can make a difference. This is different from other law firms who are not invested in your success nor care about your outcome.

If you have a legal issue, call us for a consultation.
We are available 24/7, to help you with any – and all, challenges you face.

What Is A Voluntary Surrender

What Is A Voluntary Surrender?

A voluntary surrender is when you decide to return your car to the lender because you can no longer afford the payments. It’s basically giving up the car before the lender has to repossess it. Here’s a quick rundown of what you need to know:

Voluntary Surrender vs. Repossession

With a voluntary surrender, you contact the lender and arrange to return the car on your own terms. With repossession, the lender sends someone to take the car back without your consent. Both hurt your credit, but voluntary surrender shows you’re trying to work with the lender so it may have a slightly less negative impact.

Pros of Voluntary Surrender

  • Avoids repossession fees like towing and storage costs
  • Lets you choose when and where to return the car
  • Shows willingness to communicate and cooperate with lender
  • May have slightly less impact on credit than repossession

Cons of Voluntary Surrender

  • You still lose the car
  • Your credit takes a serious hit either way
  • You may still owe money after the car is sold
  • Getting a car loan in the future will be very difficult and expensive

What Happens When You Voluntarily Surrender

  1. Contact the lender – Let them know you can no longer afford payments and arrange a time to return the car.
  2. Return the car – Drop it off at the agreed upon time and location. Get documentation of the surrender.
  3. The car is sold – The lender sells the car and applies the money towards your remaining loan balance.
  4. You may owe money – If the car sells for less than you owe, you’re responsible for the difference.
  5. It’s reported on your credit – The voluntary surrender and any missed payments will show on your credit report.

Alternatives to Consider First

Before choosing voluntary surrender, see if you qualify for any options to keep the car, like:

  • Refinancing the loan for lower payments
  • Payment extensions or deferments
  • Adding missed payments to the end of the loan term
  • Agreeing to a modified repayment plan

You may also consider selling the car yourself and using the money to pay down the loan. This avoids the credit damage of voluntary surrender.

How to Rebuild Your Credit After Voluntary Surrender

Recovering from a voluntary surrender takes time. Here are some tips:

  • Continue making payments on other accounts on time.
  • Pay down balances on revolving credit accounts.
  • Avoid applying for new credit right away.
  • Check credit reports for errors and dispute any inaccuracies.
  • Sign up for credit monitoring to stay on top of your credit.
  • Consider adding your rent/utility payments to your credit reports.

With good credit habits, your scores can gradually improve over time. But it may take years before you can get approved for prime-rate auto financing again.

The Emotional Side of Voluntary Surrender

Beyond the financial implications, voluntarily surrendering your car can be emotionally difficult. Here are some tips to cope:

  • Let yourself grieve – It’s normal to feel sad about losing your car. Give yourself time to process the emotions.
  • Separate your identity from the car – Your worth isn’t defined by what you drive. Remind yourself this doesn’t define you.
  • Find support – Talk to understanding friends or family about what you’re going through.
  • Focus on the positives – You took control of a difficult situation and avoided repossession.
  • Make a budget – Review your finances and look for areas to save money going forward.
  • Set new goals – Decide what you want next – like rebuilding savings or buying a used car.

While voluntary surrender is discouraging, look at it as a chance to reset your financial goals. With time and perseverance, you can repair the damage and get back on track.

Key Takeaways

  • Voluntary surrender means returning the car to the lender when you can’t afford the payments.
  • It damages your credit but may be slightly better than repossession.
  • Consider all alternatives before choosing voluntary surrender.
  • Rebuilding credit after voluntary surrender takes diligence and patience over time.
  • Focus on the positives – you took control of a difficult situation.

Voluntary surrender should be a last resort. But if you exhaust all options, it can be the responsible approach when keeping the car is impossible. While the credit impact is severe, voluntary surrender gives you a chance to start fresh and rebuild your finances.

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I was searching for a law firm with some power to help me deal with a warrant in New York . After 6 days I decided to go with Spodek Law Group. It helped that This law firm is well respected by not only the top law firms in New York , but the DA , Judge as well. I...

~Fonder Brandon

5 Stars
It was my good fortune to retain Spodek Law Group for representation for my legal needs. From the beginning, communication was prompt and thorough. Todd, Kenneth and Alex were the first people I worked with and they all made me, and my company Qumana skincare feel comfortable and confident that the team was going to work hard for me. Everything...

~A G

5 Stars
After meeting with several law firms, I chose the Spodek Law Group not only for their professionalism and experience, but for the personal attention given to me right from the initial consultation. It is important to recognize how crucial having the right legal team is when faced with potentially life altering events that impact families and the lives of loved...

~George Cherubini

Spodek Law Group

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We Provide Superior Service, Excellent Results, At A Level Superior To Other Criminal Defense Law Firms. Regardless Of Where Your Case Is, Nationwide, We Can Help You.
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