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First you examine the external engine to see if any oil is leaking. Lots of times the governor oil seal goes bad and leaks oil that may drip down on the exhaust and smoke considerably when the engine is first started. If you see oily dirt around the rear of the engine that is the reason. Clean...

You likely have a bad bearing in one of the spindles or pulleys causing the pulley to intermittently seize which is putting too much drag on the belt causing it to shred. If a belt is coming off often but showing little wear that is likely that the front of the deck needs to be adjusted up to...