Single Mother, who did not miss a payment, has her car repossessed and towed by a different finance company.

A single mother, who resides in Kansas City, Missouri, purchased a used vehicle in 2015. She financed that car through Credit Acceptance Corporation. A short two months later, her vehicle was repossessed by a different company—Santander Consumer USA, despite the fact that this single mother had not financed her vehicle through Santander and despite the fact that she had not missed a single payment. For a week, she was not able to go to work and was not able to take her daughter to school without assistance because Santander and the tow truck company refused to release her vehicle to her.

It was not until she hired a Missouri Consumer Attorney that she was finally able to get her car back.

Under SB 5, this mother could not have taken this action.