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Did I say prison? Because I'm pretty fucking sure I didn't say prison.
We don't need bounty hunters in society. Using a bounty hunter to recover someone's property who didn't pay for it is the worst, well second worst outcome.
Right now there is no straightforward repercussion for it. If you sign up for a loan to buy a car you sign up for an agreement to pay a bank. A car is not a primary possession they are allowed to recover their product. They are allowed to hire some lowlife who can afford a tow truck to come and try to steal it from you. We're just begging for people to shoot people.
How about the company who owns the truck gets a warrant to recover the truck, you hand over the truck, or you go to jail to await trial and post bail if you can. There's simply no freaking way you can say that that's better than hiring a bounty hunter to come and steal your shit.