Well.....that makes it a bit more complicated still. Maybe that's why they're willing to settle for 40%.
It's up to you......if you feel like tackling and fighting it.....so let me know........but when they fail to send you the proper notices after a repo........it's considered an illegal repo. And instead of the SOL being 4 years.......it's 2 years. There is a process you go through. I can at least point you in the right direction if you wish.
One thing you definitely need to do is read up on your state's UCC Article 9. Because those are the laws that you would use for back up.
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