Based on what I've seen I would guess that there is less likely to be a money order if you handed in the keys.(posted 8642 days ago)I've heard differing stories over whether there is likely to be a money order if the lender sought a repossession order in court.
NAMV's view is that lenders are less likely to have got a judgement than you might think. Bear in mind that part of the NAMV strategy is that lender's don't want to spend money in court fighting over whether they had or should have had a money order judgement (given that someone is going to have pay for that court-time and the ordinary person is unlikely to have the cash to pay for it).
This is a controversial area though, so others may disagree with me.
Lee