Provided is a method for disabling a motor vehicle when a user of the motor vehicle fails to complete a specific task, such as making a loan or lease payment. The method comprises first determining a payment due deadline and forwarding a signal on a two-way communication system a predetermined number of days prior to the due date to initiate a reminder system in the vehicle that the payment is coming due. A return signal is sent to the provider of the first signal that the first signal was received and the reminder system activated. Once it is determined that the due date has passed and payment has still not been made, another signal is sent which disables the vehicle. A return signal, if desired, can again be sent to the provider that the first signal for disabling the vehicle was safely received, and that the vehicle was disabled. A keypad is also provided in the system for entering an emergency code to enable the motor vehicle for a predetermined period of time whenever the vehicle has been disabled.