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Repossession as defined in Florida Statute 493.6101 (22): "Repossession" means the recovery of a motor vehicle as defined under s. 320.01(1), a mobile home as defined in s. 320.01(2), a motorboat as defined under s. 327.02, an aircraft as defined in s. 330.27(1), a personal watercraft as defined in s. 327.02, an all-terrain vehicle as defined in s. 316.2074, farm equipment as defined under s. 686.402, or industrial equipment, by an individual who is authorized by the legal owner, lienholder, or lessor to recover, or to collect money payment in lieu of recovery of, that which has been sold or leased under a security agreement that contains a repossession clause. As used in this subsection, the term "industrial equipment" includes, but is not limited to, tractors, road rollers, cranes, forklifts, backhoes, and bulldozers. The term "industrial equipment" also includes other vehicles that are propelled by power other than muscular power and that are used in the manufacture of goods or used in the provision of services. A repossession is complete when a licensed recovery agent is in control, custody, and possession of such repossessed property. Under the contract or security agreement, you most likely gave the lender authority to repo the car at any time or place. You might ask yourself this Question: How could someone possibly give a lender permission to go on someone elses private property? I could see if the private property is that of the debtor, but what if it's the debtor's place of employment which is private property? Answer "Private Property" signs do not stop anyone from entering a parking lot. Now, if they added "No Trespassing", it might make a little difference, but doesn't the Pizza delivery man still get in? If you have a "legal purpose" for entering private property, it is not trespassing if you do not damage any property. If you have to cut a lock to get into the lot, that's damage. Another example, your driveway is private property and so is the mall parking lot, but the repo man can take your vehicle from either of these places. The mall may even have a sign that says "Private Property". Florida Statute 715.07 (2)(a) states: The towing or removal of any vehicle or vessel from private property without the consent of the registered owner or other legally authorized person in control of that vehicle or vessel is subject to strict compliance with the following conditions and restrictions: Section 8. Vehicle entry for the purpose of removing the vehicle or vessel shall be allowed with reasonable care on the part of the person or firm towing the vehicle or vessel. Such person or firm shall be liable for any damage occasioned to the vehicle or vessel if such entry is not in accordance with the standard of reasonable care. Another scenario is that the Association already has a tow truck company that they use to tow vehicles. Unfortunately, the bank/lien holder of the vehicle is not going to contact nor will they have the information for that same tow truck company to get the vehicle repossessed. Therefore, the bank/lien holder uses whatever company they use and based on Florida Statute 715.07 (2)(a)8. vehicle entry for the purpose of removing the vehicle shall be allowed with reasonable care.

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Q: Is it legal to reposes your vehicle when parked on private property that is posted private property like at a apartment complex parking lot in the state of Florida?
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