Hands fisted, knuckles white and angry tears gushing down her cheeks, Carol stormed through her front door and headed straight for the telephone. She tries to compose herself as she dials 911 to report her car as stolen.

The 911 operator takes her information and lets her cognize that an officer should be there momentarily. Once the officer arrives, he takes her statement but besides asks if there is any chance the vehicle was repossessed.

Carol jerks her head about at that question and tells the officer that she was 3 days late on her payment to a institution that offers vehicle title loans. But, she queries, "surely that couldn't be the problem? It's only 3 days! Isn't there supposed to be a grace period?"

The officer completes the statement and suggests tha