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He’d spent the last hour at the kitchen table of his small apartment near , staring at a stack of medical bills and a "Final Notice" from the bank. His old sedan had finally given up the ghost right in front of the Martinsburg Roundhouse , and without wheels, his shift at the Clorox plant was as good as gone.

"Bad credit? No credit? Repossession? No problem!" the radio had chirped earlier that day. buy here pay here martinsburg wv

The terms were steep—a 24% interest rate and a tracking device tucked under the dashboard—but to Elias, it wasn't a trap; it was a bridge. As he signed the papers, he thought about the morning commute past the he wouldn't have to miss. He’d spent the last hour at the kitchen