Sounds like in either case you'll have to split the tractor since the clutch isn't disengaging but you can tell by what John said as fare as finding neutral. What I did with mine was lifted the back of the tractor up with a engine hoist so I could spin the wheels and find neutral. If you are truly stuck in 2 gears which I don't think you are then when your shifter is in the neutral position the tractor would be in gear. Also if your stuck in 2 gears you won't be able to engage all 8 gears and you won't have the full pattern in hi or lo range. You could also pull the spark plugs with the tractor off the ground and bump the starter with the tractor in gear or just turn the front engine pulley with a socket\racket. Pulling the hydro cover off is easy, takes about an hour max with the right tools. Just make sure you drain the gear lube first as some hydro fluid will leak into the gear case. If you want I should be able to take a pic of mine so you can see where neutral should be at in the gear case? Send me pm with your email if your interested. I don't think it will make any difference but check the clutch pedal adjustment bolt under the running board. I guess it's possibile that it's so fare out of adjustment the clutch never fully disengages because it sounds more like the clutch isn't disengaging. Another thing that could be wrong is somnone didn't reinstall the keyways inside the clutch housing that time the pedal to the clutch, in either case you still have to split it unless you pull the steering gear box off and even in that case you can only really do inspections since the hole on top is only about 6 inches round.