If you are Jennifer Dicks of Phoenix, the answer is the latter. See, Dicks got a loan from the "Auto Financing Network" and bought a Chevy Cavalier. She fell behind on payments! And then the president of the company started obsessively texting her, and then they registered the url of her name to plant a site titled "Jennifer Dicks isn't paying for her Cavalier!" and they claimed to have installed a GPS tracking device in her car and basically it was a lot of weird stalker shit.