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A small number of the accounts that I'm assigned to repossess deal with what are basically ordinary, decent people who've made some mistakes or had bad luck and fallen on hard times. More commonly, my company deals with what I'll call the scofflaws. It seems like it's pretty easy these days to buy a car you can't afford, and when I go pick up a high-priced car in a low-rent area, I often wonder if those folks did some "creative writing" when they filled out their loan application. Naturally such people get behind on their payments and in some cases never even intended to make any payments. Then there's the third type of repo subject, who seems to keep running afoul of ...