Please choose the correct ending to complete the given sentence: Cars & Other Vehicles: [header] How to raise car deficiency counterclaims [title] Check your state law. [step] Each state has laws which cover the repossession of goods, such as motor vehicles. The law will list many of the counterclaims that you can bring against the lender in a deficiency lawsuit.

Ending1: [substeps] In most states, if you are on an early plea deal (such as requiring the lender to pay the loan to pay back the car), you must bring " affirmative defenses. " this means that whatever you win with the lender would be in the interest of your lawsuit. Ending2: [substeps] Before bringing a claim against your lender, read your state law and research the applicable law to make sure you can raise your case. Your state law will include the following : [substeps] The vehicle ownership act. Ending3: [substeps] For example, in california, you must have an accident on your car when that car's oil is in warm water. Another state law that features the deficiency that you plan to sue for is the department of motor vehicles, which advocates for the repossession of a car. Ending4: You should begin your research as soon as the car has been repossessed. [substeps] To find your state's law, you can search the internet for " your state " and " car repossession.

Answer format: ending1/ending2/ending3/ending4