138. If the consumer is in default to perform his obligation in accordance with the terms and conditions of the contract, the merchant maya) exact immediate payment of the instalments due;
b) exact, in the manner provided for in sections 105 and following, immediate payment of the balance of the debt if the contract contains a clause of forfeiture of benefit of the term; or
c) retake possession of the goods sold in the manner contemplated in sections 139 and following.