It's obvious from your query that you're from the the U.S. (This is a UK site, trailers are called mobile homes in the UK). The US law regarding repossessions is different from the UK's. Some may even say fairer. I hate to see your query left unanswered as it can tend to leave you with a feeling that no-one cares. Well as your cousins we DO! The only slightly non-commmercial site with some explanations of your US rights that I have found is:(posted 8641 days ago)http://www.repossessionrights.com/
I sincerely hope that this is of some help.