I saw this on IFC (the Independent Film Channel) a couple years ago. It was about a single mother and her teenage daughter who wind up homeless. They attempt to live in her car but it gets stolen by joyriders, eventually the mother goes to see some guy she knows, she lets him bang her for money, then she steals his car out of shame & guilt, but they get pulled over & caught but the guy doesn’t press charges.
It was shot directly on videotape and starred total unknowns so I wouldn’t know where to even begin looking. Also, the girl who played the daughter was really, really cute.