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need help in negotiating to redeem the vehicle

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What is the name of your state?tx
My auto loan was discharged in ch7 few months back and I did not reaffirm the loan. I have stopped paying monthly installments since last couple months. I want to redeem the vechicle at its current market value. What value should I consider when negotiating with the lender?. Can someone copy a sample letter that I can send to the lender to negotitate this? thanks
 



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