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It's impossible to say definitively from the information given. You should contact a local lawyer, since the law varies from state to state.

However... most states allow a creditor to repossess immediately if the loan goes into default without giving notice, and their agents are generally allowed to come onto your property in order to do so.

They are normally forbidden to cause a "breach of the peace" in the process, and that lawyer you're going to contact will help you figure out whether this happened in your case or not.

Since in your case the garage door was open, they didn't have to break in, and their actions were probably legal. It doesn't matter why the garage was open, just that it was, and that it was opened by someone who had the presumptive right to do so rather than by the repossessers themselves.

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13y ago
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Q: Is it legal to go into a garage while your eleven yr old is home alone and has the garage open to reprocess a car while there is no adult at home?
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