Eighth National lends Wendy $1,000 to purchase a new refrigerator, taking a security interest in it.Shortly thereafter, Wendy's new baby develops serious medical problems.Wendy has incurred large medical bills and as a result, does not make her first three installment payments to Eighth National.

First decides it has tolerated Wendy's delinquency long enough.It writes Wendy informing her it will repossess the refrigerator unless it receives all past due amounts.The refrigerator now has a market value of $250.It is essential to store medicine needed by Wendy's baby.Wendy calls you in a panic.She explains she has little money and Eighth National refuses to wait any longer.

What advice can you give Wendy?Does she have any options under Article 9