<prompt> Human: My mom has been in bankruptcy since her divorce from my father. She had a stroke recently and missed payments on her camper, and now the loan company has filed a motion to remove the camper from protection under bankruptcy and then they intend to repossess.Moms lawyer says the motion will pass due to missed payments, and if we want to keep the camper I will have to negotiate directly with the loan company to buy out the loan or assume it myself.Camper blue book value is 11000, the outstanding debt on it is 15400. It is important to our family that I figure this out and keep the camper. But I dont know how to begin negotiation with the loan company. It seems like they will have all the leverage.Any advice would be really great. Thanks guys.  <response>: Unless the bank is willing to negotiate why not stop making payments, let the bank take it and just buy a similar camper for the 11000 blue book value you quote? 