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It's crucial that you understand that without notice with this legal process, should your circumstance change, you may get a repossession stop while using 'N244: Application to suspend the warrant' form.  A judge just might do this but it is not to likely it would happen.  If you owe A80,000 along with your house is worth A75,000, you have a negative equity in this case.  Also visit my blog post - cash buyers ( http://www.car-repo.com )