"The car had problems, a big repair bill," she said. "Then I had a $400-a-month car payment, $100 a month for insurance, $100 a month for parking. Gas hit $3 a gallon. "It all added up. I was just sick about it."
A court reporter, Englert, 40, is now dealing with the aftermath. Because she still owed more than $10,000 and the car sold at auction for $4,200, Englert is obligated to pay the difference.
"It has affected my credit rating," she said. "I'm a single mother with four children, and I have a good job. I realize now that this could happen to anybody."
Ms. Englert, we're sorry it happened to you.