However, as Perry said if you have a true hardship case, loss of a job, or some sort of serious personal tragedy, your odds go way up. If not, then it will be a tough pull… for a few hundred bucks it may be worth your time to talk to an attorney, have the attorney send a nice letter to the sales office. That will be far more effective then anything you could do on your home, (if it would work at all) or as Perry said, go through the motions and bring em to small claims court.
