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Once you've arrived at a figure, you can try to work out a deal with the defaulting party before the property is repossessed .
Five different credit card companies were suing him, his car was repossessed and the police arrived to arrest him because of his debts.
Remember, lenders don't want to bring homeowners to court or repossess their home.
They don't have to worry about resale values or market conditions - the legal ownership of the car remains with the finance company or lessor who may repossess the vehicle in the event of missed payments.
Others in the oil industry have said that oil companies often take a tough stance when trying to repossess their filling stations from licensees.
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