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After thinking a few minutes longer on your question. I think someone would have came forward in the media spot light if they made a car title loan to Ricci... especially if Ricci was late on paying off that title loan. I believe when you do this type of loan on a car title you just leave your clean and open car title with them and then sign a contract. The contract & open title just helps them advance faster on getting ownership of your car if you do not payoff your loan. If you just signed a contract and did not turn over your title to them, I think it would take the loaner longer to get the vehicle.

Yes, even if the loan/repo person was one of those sleazy "pawn your title" places, those places apparently are doing business within the law. (Though they are still sleazy.) So there would be a paper trail, and I agree such a person/company would probably come forward.

But what if Ricci's borrowing, or buying on credit with jeep title as collateral, wasn't the legal type? What if it was a deal with a narcotics trafficker? NO WAY is some narcotics trafficker going to come forward and clear up the mystery, b/c narcotics trafficking can land a person in jail for FOREVER.