how to fully factory reset an phone a phone without a password

so I bought this second-hand phone from 2 sell used products but it has this message:" The phone has been blocked due to unpaid installments. To restore the ability to use the device, the overdue installments must be repaid." how do I hack this?!

submitted by /u/gplay_ok
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from hacking: security in practice https://ift.tt/BwAsdRf