Still think owner give-ups aren’t a problem? Even members of the fire department are burning their cars to get out from under their loans. Gary V. Stover, a Captain with the North Las Vegas fire department allegedly faked the theft of his Toyota Sequoia and his insurance company paid off his $35,000 loan – including $12,000 of negative equity. An accomplice helped Stover and provided an alibi. Means. Motive. Opportunity.