What makes a Repossession Illegal? 

Watched a repo man reach through a ladies window grab her and force her out of vehicle hollering at her and law enforcement did not do a thing about it..

I respect repo man who do their job legally. It is a tough job for sure.

What you said about repo agents is better then what they say about lawyers.

Thank you for the info. Im in Pennsylvania. They snuck on the property, got in, went ripping out of the driveway throwing gravel, my dad was yelling (thought it was me) they never stopped. I called police and they said it was repoed and so I called company. They took it over an hour away with ALL of my tools to make any money and everything of importance, and said even same day, i can have my stuff but I have to make an appointment, bring any keys, fobs, etc I own, and pay 125 and THEN they'll let me get all of my personal belongings. This was Monday and its now Friday and I've just got a vehicle able to haul it all but am short on finds now and don't feel I should have to pay the 125

Seriously? Most repos are not because you've missed a payment by a couple days or even weeks. Most repossession orders from reputable credit companies like GMAC, FoMoC, Wells Fargo, and Bank of America are posted after the loan is 60 days in arrears or more. Multiple avenues of contact have been exhausted, and the loan company sees no other recourse than taking the car/truck/suv back and selling it at auction to recoup some of its capital that's tied up in the vehicle. I repo'd for GMAC back in the 90s and a couple small BHPH lots tied to the area I was working. Most, if not all vehicles, I went after were 90 days or greater in arrears with GMAC and 30 days plus with the smaller BHPH lots. These vehicles were repossessed mostly from people who very clearly had no intention of paying on the vehicle after they got them. Wanting a free ride for as long as they could keep it.. Most of the BHPH vehicles were no longer operable at the time of repossession due to intentional or negligent care for said vehicle. The results of such behavior are, higher interest rates, more stringent loan qualifications, and less than idea vehicles being dumped into the market at a premium cost. Right now, July 7th 2023 some 17% of all vehicle loans are currently at or exceed 60 days delinquent for cars 2015 and newer.. And with 1.7 Trillion in student debt, second only to mortgages, and unsecured debt, i.e. credit cards and personal lines of credit rapidly approaching 800 Billion dollars it is no wonder car loans are rapidly becoming the next great ripple in financial disaster for Americans..

Thank you very much for the information

I have been watching your videos , thanks! My 21 year old daughter went and bought a car her own, she gives them 2100,00 she thinks shes being financed two weeks later they call her with a story that they need to put new plates on, instead they take the car back and only refund her 1000. I have complained with BBB and sending out certified mail to address the issues.

Mines was wreck and i wouldnt agree to the settlement which was in statefarm possession they got it and gave them the check also without my consent which im in the process of suing both parties

I paid my late payments turned in the necessary papers. The repo lot has been lying to me about their schedule saying they had an opening at 2:45 then they say they dont. I went to the lot today the guy left early. I'm trying to get my car back they're giving me the ring around. My car is not in the lot anymore but it was, when I picked up my belongings. Are they allowed to drive my car?

My fiancé brother car was repo after he made his payment, of course it was a buy here pay here. Went to get their stuff and they wanted $50 or the key and cops was called and cop said to pay them or leave…. Key was in the car when they took it

So what if the repo person breaks into a locked vehicle and you hear the alarm going off so you go outside to intervene. When you drive off the repo person reverses his vehicle causing you to hit your neighbors property. Can they be held liable ?

Can a loan company serve you papers at a courthouse and was outside re-poing your vehicle while you are at court and would not let me buy back the amount left on it $888 and is charging me interest but never sent me papers on how much my vehicle was sold for.

How soon should you receive the Notice of Disposition

My truck was just repo because my auto pay didn't go through for some reason! I had no idea, no calls and no mail! Where do they take it when they pick it up while you're sleeping?

How can I get the UCC code for California

At the 2:00 mark, if they took my car off of my partners grandmothers driveway in the middle of the night, and she has no idea of the lien, AND they damaged her driveway dragging it off the driveway with the e-brake on, is this what you’re saying is breech of the peace?

So what happen if i have my car total lost in mexico because i have a car accident and they want to repo my car are there going to mexico? Or if i cross the border the us customs going to take away my car?

what happens if I breach a contract and the other party comes to repossess forcefully, thereby triggering breach of peace, if subsequently I demand for the property that was repossessed and it was not returned can I succeed in the suit of detinue

Hello, I never received any of the 3 notices that were required by law after repossession. What can I do? My car has already been sold at auction back in February 2020. What type of lawyer do I contact? How can I prove that I never received these notices? Thanks in advance!

What if the repo man says "you can give the car up and you can get it back from the bank, but if you don't you won't" and in your state you have a limited time to get it back regardless?

What if our car is not in default the 72 month period is up we owe $1,023 left they said if we don't pay that on the 23rd they are going to reposses it. Our bill is only $240 a month over the 72 month period they waited till we paid it and are threatening us since the interest added up from late payments

The Bank sold me a car that was right off and it uses a different engine from the one it had and after realising this i stopped paying for the car as i spent alot of money maintaining the car and it now 11months later they havent repossessed it why? The dealer where i bought it is now closed apparently

Should I talk to an attorney?

My neighbor car got repo at 3am -5am. I was awakened by the repo guy and his truck banging against my fence and tree on my property. They were trying to get the car from the backyard of my neighbor house and making noise I couldn't go to work the next day from all the noise and banging. Is that breach of peace?

Sir, you are the first person that I have seen that talked about this. no attorney or lawyer will represent me. they moved my mother's truck and damaged the back of her vehicle after leaving iton the road. she was so distraught I had to have an ambulance show up at our home because her blood pressure was in the 200 range. the company refuses to even my mom's car insurance company any information so she can make a claim over the damages. i feel so helpless and i dont know what to do or who to call . Do i even have a case if i try to sue capital one and the towing company?? i really am desperate to get some advice on what type of lawyer i would need , what would it be called that i would try and sue for? I am in st petersburg FL

I have sent a reposession/legal document request as I don’t ever recalling them sending me ANY documentation pre or post repo. They have not replied. What should my next move be?

How about if I have the title with no lien holder stated on it but just my name on the title while still owing on the loan? Can they repo if those sending the repo man are not in possession of the title?

who is allowed to reposes? can the state, police officers, ticket maids, reposes? can you be pulled over and can they reposes the vehicle? who gets notice of a repossession besides the company contracted to do the service? thanks

My vehicle recently got reposessed. I was not able to make payments on time. There have been many lawsuits since the time I got the loan . I owed just under 7000 and I received a letter stating my balance was 0 . And that I will not have the defaulted loan on my credit nor with the agencies . Well recently I received a check for 10,500. I called the loan company and all they say is I overpayed on my loan. My question is then why was my vehicle repossessed????

Is a credit union required to let you know they’ll shut the car off 2 days before the payment due date? Causing a person to lose their job and not be capable of payments

What about a title loan

A company towed my car while my son was still inside, and when I chased after them with a friend that was at the gas station luckily, and after contacting the police, they stopped. Was wondering if that's a lawsuit?

Can your car get repossessed of you're making the car payments but not the insurance payments?

I operate a towing service. I would never stoop so low as to do a repo.

Me and my daughter were picked up while with the hitch attahed to my car while still in the vehicle! Santander was the creditor

What if they didn’t send those letters? I had a repossession and they didn’t send me any letters about my personal property where it was going to be auctioned off at or how much they sold it for.

can a bank refused payment and discontinue your auto loan. if you prime to pay some amount and you are a day late?

My dad got mad after they repossessed his car and he threw away some documents and I'm trying to help him get those back but he can't log in to his account, how can I do this without a warrant for the financiaing company, do you have a phone number I really need help with this

I would like to know ,if my community get removed my car , which is covered ? What are the bylaws sex?

What if the letter has the state's that the bank would repo but the state you live in and the car is not in the states eligible for repo? Also what If repo guy doesn't have any repo papers and there was a disturbance but you just give him the key because people are waking up and you feel embarrassed?!

I’ve been studying consumer law , but more of the FCRA and FCDPA , but I’m educated UCC 609. , my question Is who do I go after , the Repo company or the Original Creditor , Basically the Repo man committed extortion, Hooked the Car then knocked on the Door and told the Consumer who is Disabled and told I will let you get your purse n belongings if you hand over the Keys ,

Suppose the item being repossessed is part of the res held in a trust? Thanks in advance,

"The wicked borrows but does not pay back, but the righteous is generous and gives." Psalm 37:21

I once had a car repossessed. I didn’t care. They didn’t conform to something, i stopped paying, and drove it around for almost a year before they eventually took it. I saved over $8,000, and bought a nice ass car with cash. And at the same time, paid my insurance a year in advance!!!!!

You mean in the series Operation Repo when they told the people "if you give me the keys you can get your stuff out" was illegal????

Okay I have a question. There's a repo place that doesn't do same-day appointment or same-day pickup you have to make an appointment. To get your stuff back its $150. Now let's say you paid this $150 to get your stuff back what happens when you looked at your stuff and there are items missing?

What if they don't repo the vehicle after a certain amount of time and what is that amount of time?

So what do you do if you actually get your car back after it’s been taken. How can you remove the repossession mark?

Is there a statue of limitations to sue? Because there was extortion in my case. I had to give them my keys to get my stuff.

Yeah Ill take a BIG BANK with dozens of their lawyers to court instead of just buying a car I can afford and paying the note

I am considering transporting my car to another state, my dealer says I can’t do that and I will be repoed.

I love the professionalism but then he had a sense of humor! When he said there are good, clean, repo men I died laughing! They are ALL, 100% drug addict, tattoo faced thieves who need a job for their drugs. Period. Prove me wrong by sending a pic or link to a professional clean cut repo guy and company 🤣

I'm in a LinkedIn told I better gave the van to them ,bring up the paperwork, I told no third party ,said to me yes there can them are bugging over $380,not do June 25 for last month may payment ,my friend set up it that ,I got threatened by a lady last week ,I was threatened I better tell them wear the vehicle this,there are in California,the guy bought it from he out of business ,he new about the vehicle had so much wrong with it I been trying creditor state of Vermont, don't get back to me

I am not behind on payments they said I need to use a shop and I am a mechanic from navy

Say a Buddy paid 30,000 dollars for a car that cost 45,000. He defaulted and the dealer is trying to repo it. He is considering taking the engine block out and keeping it. Any thoughts or recommendations on this legalities? After all he did pay for over half the cost of the car and all the dealer will do is keep his money he paid and resell it.

Now they want to repo my truck

My car was repoed. Y a bank that I have no loan with. I have been without my car for 5 days. The auto dealer tells me that it's not their fault and they have to wait for a release from a bank that I have no dealings with.. what can I do. Im up to date regarding financing and insurance

What about the repo man on tv where they tresspass and pick locks and film it then take planes helicopters boats and cars🤔🤔🤔

Hello sir. My vehicle was repossessed and had personal effects in it as well as my firearm. The company took it over county lines which is a violation of SC Personal property recovery law 34-17-190. I would like to put them out of business, how do you think I should proceed?

Do I have the right to request a copy of the actual "Repo Order) Piece of paper that the tow company used to identify and repo my car? The tow company DRIVER - has to have a certain permit to tow and repossess cars?

But again attorneys can only act whats in the best interest first and foremost to the courts. Attorneys can not truly fight for your constitutional and amendment rights and or require the law to enforce your rights. If an attorney truly fights for u they they would be held accountable and or disbarred for making the courts look bad.

Is there a statue of limitations on this?

Repo has been on credit report for 10 months BUT MY CAR HAS BEEN IN MY DRIVEWAY THE WHOLE TIME TO THIS DAY! What are my rights?

Where do these law apply

Can they break your ankle with the tow lift?

I need to repossess my rv that a man won't give back and is refusing to pay for it. We have a contract. I don't know what to do. I just want my property back

Can they verbally threaten to take your house? I had a police offer do that, the repo guys didnt say a word.

New York is one of the hardest hit states from Covid-19.They just repossessed my car.

Breach of peace

My car was reposessed and I called to make an appointment to get my belongings. The guy on the phone said he would need my keys. So I said "I can't get my stuff back unless I give you the keys?" And he said "that is correct." Now this is before the auction. The loan agreement is also in the glovebox wich I need to review because they say I defaulted and that the loan started in August of last year, but when we got it, the dealership said our first payment wasn't until November. There is also medication in the car. Can I take legal action for being told I can't get it without giving them the keys?

What if a dealership tells you to let them come pick the car up because it doesn’t show on your credit and no one will trade the car because it doesn’t show on your credit report.. not even the dealership you bought the car from and then they say these were bad they had transmission issue but I didn’t know until I sold it too you

So, what you're saying, is that they can't go on someone else's property to report your car? The repo man took a truck that was on property that wasn't mine at 2:00 in the morning before.

Is this still valid in this present day

What do you do when it is painfully obvious there was a breach of the peace ( They are caught on Security Camera in the act) and it was late at night with both myself and the manager were fast asleep in our beds, neither of us had a clue as to what was happening and they had to hack a PIN code on a secured gate of the parking where the gate was obviously closed as it clearly shows in the video, and neither the driver or the assistant were or are legal residence of building and they took my personal property and my wife with the car. I have spoken to several Lawyers and none seem to want to do anything but tell me " SMALL CLAIMS COURT WE CAN'T TAKE YOUR CASE AT THIS TIME " ?????????????

How do I charge breach of peace they pinned me in my aunt's drive while I was in the car and told me it was against the law and a felony

This dude come to my house at 3:00 am out I. The country

You re good in theory bojo! the cops are with the companies not the people who owe money none will help them

ANSWER ME THIS HOW CAN YOU PUT SOMETHING UP FOR COLLATERAL THATS NOT PAID FOR, I MEAN SOMETHING CORRUPT HAS TO BE GOING DOWN BECAUSE AT THE SIGNING OR CLOSING TABLE THE HOUSE OR CAR ISN'T YOURS TO PUT UP FOR COLLATERAL MEANING YOU HAVEN'T FULLY PAID FOR IT🤔🤔🤔 OR DID YOU WITH THE PROMISSORY NOTE🤔🤔🤔

So if the vehicle is at your home don't they have to give you a chance to get your belongings at least?

All this can be avoided if you simply pay your vehicle loan or if in default you keep in touch regularly with the lender and don't lie to them. Also remember the bank can call the loan and demand payoff at any time once you default on the loan. No they don't have to give you 30 days. And If you piss them off or act like am idiot or play Google attorney with the repo agent the agent can recommend to the lender to ask for payoff due to a troublesome debtor. So keep playing the you touched me , you breached the peace game and you may win a battle or two but I guarantee you WILL eventually lose the war. Also if you can't pay your car loan how do you expect to hire an attorney? And a few ambulance chaser attorneys will do it pro Bono but only in certain situations. Spend less time trying to avoid the repo man by simply honoring your agreement and if you can't then give it back. When you don't pay your electric bill what happens? It gets shut off but let's get mad at them and try to engage in litigation because they did so. Smh

Need some legal help. Hello so the dealer hire a guy to call me and trick me into taking my vehicle. Left me stranded and also did not give me or the dealer any notice of the vehicles personal belongings . Did not tow my vehicle but instead had someone not authorized to drive away with my vehicle. Took all my tools that I work with and tried to steal them because of non payment I feel the processed was not follow I was harassed and still havd no paper work of my vehicle being repossed.

Can they repo your car without letting the police know they are repossessing your car.

I was sitting in my son's car when the guy attached it to the tow truck.

If you pay your bills it will not be a repo 100%

My elderly mother's car was reposessed, the car has been paid off since march 2020, we settled with the lender. Tonight, in august 2021, her car was being towed in our gated community, we were never notfified or informed of this. She hurt her foot while running after them and neighbors came out. I need an attorney asap this is crazy. car was paid off what the heck. the repo guy was yelling at my neighbors laughing saying it was a repo

This guy says alot of thing but doesn't clarify the states and lows

The Repossession Industry has changed dramatically in the last few years. Every professional repossession agency operates 100% within the law.

Lmfao... Once I get power of attorney over the car, and hook up to it, it's mine. I'm not trespassing until I've been trespassed. As far as property goes, once it's on the lot, it's in storage. You can't stay at a hotel for a couple hours and not expect to pay anything. As a "lawyer" I bet you charge a retainer, cause you ain't gonna work pro bono right?

I love how he says repo men usually have inferiority complexes but in reality we are just doing our job.. its not my fault people buy things they can't afford

"Repo men are simple, animalistic creatures. They usually have deep inferiority complexes." What an insulting person you are. You said that "some" repo men are like this, but you put in big yellow letters this statement as if they are all like that. I would tell you what I think about you for saying this but my mother always said if I can't saying something nice then I shouldn't say anything at all.

U r failing to mention that the car is already paid for and the consumer is the initial creditor not the finance company and the consumer has the right to rescind and claim suretyship. The collateral is not the vehicle l, u r incorrect. The goods is the contract not the property

As a Repo man for 16 years, you are wrong, when you sign a contract to buy a vehicle, it gives me the right to reposes you vehicle, It is called hindering secured credit if you interfere, watch your mouth boy

People not giving up vehicles they haven't paid for should also be a crime. Basically they are stealing a vehicle. They promise to pay then don't, makes them liars. Piss and moan when the real owner comes to get their car back! Ridiculous.