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I hate to stay your barried on it, Your only sollution to it is to sell it privately for as much as you can get, End use it to ward the balance oweing on it, End work it out with the bank on the balance owing after you sell it, End the payments, That is your only choice, Unless you file for bank rupcie.
Use a 'Y' splitter. Usually from balanced to unbalanced. Also try looking at your device's control panel and see if you can change the channel options from mono to stereo. Beta drivers are for testing purposes, so try the signed driver also.
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