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Well I am no expert in the area but I would assume they would be inclined to let it 'convert' to unsecured, I mean if the other option is you simply defaulting on it.
Edit: Speak with an expert. Speak with the bank sure but might also want to talk with a third party, any fee they charge may be well worth it.
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Meridae'n once played "death" at a game of chess that lasted for over two years. He finally beat death in a best 34 out of 67 match. At that time he could ask for any one thing and he could wish for the hope of all mankind... he looked death right in the eye and said ...
"I would like about three fiddy"
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