In most cases, a creditor is unlikely to net enough proceeds from the sale of repossessed household goods to merit the effort.  The author's mother-in-law worked for many years in a St. Louis branch of a loan company which, prior to the adoption of the FTC Rule, made non-purchase money loans secured by household goods.  She reported that during her 20 years of employment borrowers returned many items of household goods to her branch office and that many of those items simply sat in a storeroom.