Meet Christine O'Kelly. She just bought a new Kia and traded in her old car. Kia of La Quinta, California sold her a new Sorento and offered her $4,000 for her trade-in. They then took the other $4,000 she owed on her old car and rolled it into the new loan. That was in October. Now she's getting calls from former employees of the now out-of-business dealership — telling her that she is still responsible for the trade-in and had better come pick it up.

"They told me they didn't have the money to pay off my car and I needed to pick it up in San Bernardino," O'Kelly told KESQ. "I was still financially responsible for it."

She was also told that she has until Friday to pick her car up or it will be sold at auction by the bank that shut down the dealership.

"I'm either going to have to make two car payments on a car I don't have or it's going to hurt my credit," O'Kelly said. "It's Christmas time. I'm a single mom. I don't have the money to be making two car payments."

We did a little research and learned that this problem isn't unique to Ms. O'Kelly. In fact,