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• Some states, such as Minnesota, issue contracts without an acceleration clause, which, in the case of a default leaves the seller in a position to cancel the contract, discharging any principal deficiency, as in the case of deprecation, or to litigate for 18 months or more while the buyer, if not a corporation, is allowed to retain its rights to the property while collection attempts are made, when the buyer will often qualify for bankruptcy, making the contract, when it lacks said acceleration clause, effectively an installment option, when the buyer has no other lienable assets.

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