First off, what the car dealership is doing is terrible by preying off of people in this manner and they need to be punished if they're breaking the law. But secondly, what the heck was this person thinking?
Did the person in this article really need this specific 2008 Jeep Patriot to get to work? I mean $124/wk ($537/mo) over three years will buy you a brand new vehicle. So, why do that to yourself? I would hope that even with bad credit, this buyer would be able to finance the purchase of a cheap $5k car and pay it off over a year or so. (12 month loan for $5650 at the ridiculous state max of 25% APR is $537/mo.) That would be lot better than putting $6500 a year into a lease. If that's the amount you're paying for a lease, you should be in a brand new BMW.