109. The application must be heard and decided by preference, considering, in particular, the following facts:(a) the total of amounts that the consumer must disburse under the contract;
(b) the sums already paid;
(c) the value of the goods at the time of the consumer’s default;
(d) the balance due to the merchant;
(e) the consumer’s ability to pay; and
(f) the reason for which the consumer is in default.