Some car dealerships routinely make promises that they know cannot be kept. "Come back in six months" they say, "Your credit will be better and we can get you a lower payment."
The subprime auto loan market is surging, and electronic repossessions are also on the rise. An article in the New York Times states that electronic disabling devices have been installed in two million vehicles. Lenders can activate these devices remotely, and they will disable the vehicle so that it will not start. Once disabled, the car is stuck.