Stuck Seatbelt

It seems that I have gotten myself into a jam. The seatbelt has folded over and become jammed in the retractor. What is the best way to remedy this, short of letting Ford handle it. I was going to remove the side panel and try to fix it that way, but I thought it would be best to ask as there might be an easier way to do it. If I DO have to remove it, what is the best way to do so... without damaging anything. Any help will be greatly appreciated. Thanks

The same thing happened to me on my front passenger seatbelt. I took the panels off, only one clip broke, not too bad, but I'm stuck at not knowing how to unjam it, don't even know where to start?