RED BUD When the repo man showed up, “Baby” lost her ride. The little Pomeranian dog loved to curl up on 82-year-old Stanford Kipping’s lap when he and his wife Patty, 70, went for a drive. But in recent months a sharp increase in the cost of prescription medicine and other bills were more than a match for the couple’s fixed incomes. With several $95 a month car payments left unpaid on their 1998 Buick, the repo man, Jim Ford of Belleville, stopped his tow truck in front of their house. Ford, 41, ought to have turned into a cynical,...