But if you're finding those payments harder to make or you got your kid a cheap set of wheels from a street-corner used car dealer with the understanding Junior would make the payments, you might want to know about a proposed law in New Jersey that would "prohibit the installation of payment assurance devices as a condition of securing motor vehicle funding." What's a payment assurance device? I didn't have any idea either until I checked out the internet and found more than I really cared to know about ways self-described sub-prime lenders make certain you continue paying for the car you lease or buy.