Suppose you own an appliance business in a working-class neighborhood that makes most of its sales on credit. What considerations would you take into account in deciding whether and when to foreclose or repossess items on which customers have fallen behind in making their payments? For example, would you consider the personal circum­stances of your debtors, look only to protecting the business finan­cial interests; consider the value of the item to the debtor (is it a necessity or luxury item); con­sider the reason the person had fallen behind (illness, job loss)?