Haven't we seen this before—in a movie?

In San Jose, California, a used-car dealer—Alberto Luna, of Alberto's Auto Sales, also in San Jose—was a Bad Man. He repossessed Isabel Leuvano's Honda Accord while her two-year-old son was sleeping inside.

According to the Associated Press, it took officers about a half-hour to locate the child, also reported by Luna, and kidnapping charges probably won't be made.

Repossession rates fell slightly in 2009, after hitting an all-time high in 2008, though it remained very high, at more than five percent of vehicle loans (new and used combines), according to CNW Marketing Research.

AutoLoanDaily.com, citing those CNW figures last month, said that higher interest rates in 2009 kept those with bad credit from being approved for loans, helping to counter the repo trend. Further repos should drop as well.

Yet there are still undoubtedly dealerships that are taking matters into their own hands to move vehicles. For instance one San Jose dealership called Alberto's Auto Sales (not necessarily the one mentioned above) advertises itself on its web site as "A better way to buy your next car," boasting a 100-percent approved credit application with zero-percent financing and zero-percent interest. "We will not turn you down," the business declares.

[Associated Press, via Fox News]