engine

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i have a 2006 chrysler sebring touring riding on freeway and the car just shut down and all the gauge lights came on,something smelled burnt when i open up the hood to check if my belts had came off everything I checked was ok took to mechanic and he told me the motor was locked, all the fluids was full no engine knocking i was told there was sludge build up, never had a car that something of that nature happen this is the first and the last chrysler i will ever own