In most cases, a creditor is unlikely to net enough proceeds from the sale of repossessed household goods to merit the effort.  The mother-in-law of one of the co-authors 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 her branch had repossessed but one television set and that the television set sat in the back room of the branch office because nobody knew what to do with it.