This is nothing new...places like Car Mart and other buy here pay here places, that is the whole concept of their business. People that are able to go to more reputable dealerships do so, they others go to these types of places. I have known people that got their car repo'd after being a day late, they blamed the car lot BUT they were late and the place lets you know in your paperwork that if you are late what will happen. If you are buying from here you know that you are paying more than the value, the price you have to pay for not having good credit. The best thing to do if you have to buy a car from one of these places is to set up automatic payment.