OKAY PEOPLE, IT works like this. A consumer wants to buy a car. What with cars costing what cars cost now a days, almost everyone buys a car on credit. (You know the same ol’ sales pitch, ‘Just a little down plus a small monthly payment and a sleek new Belchfire V-6 sedan can be in your driveway!)
Well then, the average consumer watches the hot looking model strut around the sleek new Belchfire V-6 sedan and decides that the new car is just the ticket to replace ye old rattle trap. And hey, anybody can afford the low, low, low monthly payments that they advertise. Why not trade in the old troubles for a brand new, trouble free car and let the neighbors know you done arrived.
Well people, in some sad cases the low, low, low monthly payment turns out to be more than a consumer can really handle. And, in some cases the dishonest consumer never intended to pay for the shiny, sleek new Belchfire V-6.
Well then, financially strapped consumer, you get a letter from a lender, “You made a legal commitment to pay for your shiny, sleek new Belchfire V 6, that you bought from Downtown Belchfire Sales. If Friendly Finance does not immediately receive your delinquent two months payments (plus the late charges, you cheapskate no good,) we will take action.”
Actually people, Friendly Finance does not take action. I take action. Just call me Joey.
Ol’ Joey don’t got no ‘college edge.’ In fact, Ol’ Joey never even made it through all them vocational classes, back in high school. However, Joey done all right in auto shop. Yeah! More than just all right. Yeah, I know you got the ‘Theft Stop Big Stick,’ or maybe the ‘Unbreakable Super Science Ignition Lock,’ or the ‘Holler For Help Alarm.’ I don’t care if you got all of ‘em, ain’t gonna stop ol’ Joey.
I can stand outside your behind in the payments Belchfire V 6 sedan (or pick-up truck, no matter) with nothing but a few thin, flexible tools, used by the highly skilled individuals who ply the repo trade, plus my trusty magic hot wire and your vehicle gonna be gone in less than sixty seconds. If it takes even close to sixty seconds, it’s a bad night for ol’ Joey.
Okay, this one night I start my work at Acme Auto Impound, as usual. Big Willie, the night man, gives me the hot sheet for the night. Now, the hot sheet is a list of cars where the consumer is not making the legally agreed upon payments and Friendly Finance has obtained some legal paper on the vehicle involved. Not only are the vehicles listed, along with VINs and engine numbers, in the hot sheet, but also the license plate numbers and the addresses of the deadbeats.
