Just unbolt the top hanger (by the shoulder) so it can retract a little further, and then it releases. It sounds like you might have a disco Y piece, and if so, the only permanent solution is a longer Y, or make a short strap to lower the top hanger. There is a thread somewhere here showing how I did mine.
Originally Posted by jt2127
An someone point me to the explanation for how to to release a retracted seat belt? I've been searching and can't find it.
Or a quick explanation. Either way. Got one I can't install (shoulder belt) because it's retracted too far.