In Delaware, there are companies which makes loans of money, at 100 percent interest, secured by a lien on your auto! These are not loans to buy the car. If you default, the Delaware company will tow away your New Jersey car, sell it and demand more money. New Jersey’s 30 per cent criminal usury law makes it illegal for any company in New Jersey to operate this scheme. But the Delaware companies advertise to get New Jersey consumers to cross the Delaware River. This is a terrible mistake. If you have this problem, contact a consumer attorney.