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60-89-day delinquency ABA data accompanying text Act's repossession provisions allocation efficiency American Bankers Association amount owing attorney automobile credit market automobile repossession bank survey Change in rate collateral collection practices Commission on Consumer Consequently Consumer Credit Consumer Finance continued costs of judicialized Credit Credit Credit creditor remedies Dane County Dauer & Gilhool dealers decline default defense deficiency judgments delinquency rates effective date extra costs impact increase indicate indirect credit indirect loans informal contacts interviews judicialized repossession system lender less lien recordings low-value used cars March 1-October 31 missed payment MVD data obtain percent Percentage of March prior notice Professor Johnson rate Change reason refinancing agreements reported repossession action repossession frequency repossession proceeding repossession rates respondents return date right to cure risks self-help repossession small claims court Sniadich Stats substantial supra and accompanying supra note 24 total delinquencies Uniform Commercial Code voluntary surrender welfare economics Wisconsin Consumer Act workout