Reading about what's going on in the subprime auto lending space is a lot like reading about drive-by shootings.
Unless you're a subprime borrower, or live in a neighborhood where drive-bys are happening, you probably don't know much about either or think they affect you.
But if you listen closely there's muffled financial "gunfire" already in your neighborhood.
And it's much closer to your doorstep than you think.
Here's what you need to know…