While I am sad to see that people are selling their prized posessions jst to live, I must agree with those viewers who have talked about choices.  Adjustable rate mortgages and car loans look really good when they are low.  Unfortunately when they increase they don't look so good.  My family and I have four vehicle loans and because they are all fixed rates we know how much we owe each month, and it never changes.  Additionally, I have been in the military for a long time now and while I may not be happy 100% of the time it is a steady pay check.  Now I understand that not everyone can join the military or refinance their existing loans.  The point is, when you make a choice that seems to good to be true it often is.  The current problems in our economy are because of choices we as a nation made.  We voted a republican into office on two occasions, whose only goal was to police the criminal of the world.  The Bush/Cheney problems will take time to fix.  Bottom line, think before you act.  Don't let the "used car salesman" take you for another ride.