One question... did the dummie not talk to the bank before this? Banks really do not want to repo cars. I suspect the dummie is waaay more than a couple of payments late and has made no effort to work with the bank. Probably pissed them off.
Sucks to be you dummie. How is that obumbles economy working out for you now?
Might I suggest a bicycle? Ya all seem to believe in global warming climate change climate disruption so do your freaking part!!!