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Take care of your secured bills especially your auto bank loan. Lenders have the directly to repossess your car should you default on your repayment. Instead of waiting for your vehicle to be repossessed together with paying extra costs. Talk to your lender and have if you can sell or perhaps trade in your car for a cheaper a person. Alternately, ask for elegance period so that you can save the added costs involving repossession and change payday an illegal entry on your credit history.