R.E.P.O

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Rating

Graphics and Sound

Controls

Gameplay

Lasting Appeal

Debt Recovery for Lenders – Lenders can reclaim assets to recover outstanding loan balances.
Opportunity for Buyers – Repossessed vehicles and homes are often sold at discounted prices.
Encourages Financial Responsibility – Helps borrowers understand the importance of timely payments.
Stops Further Debt Accumulation – Repossession prevents additional late fees and penalties from increasing debt.
Clears Certain Loan Obligations – If the lender recovers the full loan balance by selling the asset, the borrower may avoid further payments.

Severe Credit Score Damage – A repossession can drop a credit score by 100-200 points, making future borrowing harder.
Deficiency Balance Risk – If the repossessed asset sells for less than the loan amount, the borrower still owes the difference.
Legal Consequences – Lenders may take borrowers to court for unpaid debt, leading to legal fees and judgments.
Emotional and Financial Stress – Losing a home or vehicle can cause anxiety, depression, and financial hardship.
Insurance and Claim Complications – Borrowers may face insurance policy cancellations and difficulty filing claims after repossession.