Things You'll Need:
- computer
- telephone
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Step 1
Consult an attorney. Every state has their own unique laws which determines what property is exempt from repossessoin. Your attorney will assist you in navigating through them.
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Step 2
Contact the Attorney General’s office in your state. They will be able to tell you what property can be repossessed.
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Step 3
Find out if you qualify for a hardship discharge. Typical reasons for allowing a discharge include death, permanent total disability, temporary total disability, rehabilitation for a disability, economic hardship, being a parent with a young child, being a full-time student and military service.
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Step 4
Gather all documentation showing your necessary monthly expenses and gross income.
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Step 5
Contact the creditor by letter or phone and plead your case. Be upfront and honest about your ability to set up a payment plan based on the amount you determine you can afford.
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Step 6
If you are not able to reach an agreement, try contacting a credit or debt counseling service. They will assist you in your financial planning and are often able to work out an arrangement with the creditor.









