It isn't YOUR car until you have paid the lender.
Yes, a repo man can drive by a house in an undercover car. They employ various means to see where people are hiding their cars and are usually allowed to take them unless they are in a private garage.
not always, sometimes they use a tow truck, sometimes the lien holders have spare keys and they just drive off.
I'm a repo man, so, I'll tell you what I know. The dealer keeps a spare set of keys, that pair of keys they send people in the mail after they're done paying for the car is the 'repo set'. That is not always the case, there are actually several ways to repo a car, they can pop the linkage on the vehicle without keys and this basically puts the car in neutral or they can use tire dollies if the vehicle is all wheel drive or left in 4 wheel drive. If the repo agent wants the vehicle they will get the vehicle regardless... best just not to tote the note because they will find the car, believe me my husband has been in the industry for years. Also most reposession companies will cut their own keys with a code from the finance company, only mom and pop dealerships usually keep a spare set.
He's not allowed to repossess your baby. Note: Child welfare service workers are not repo men; they CAN take your baby.
he cannot breach the peace.
In any state, what you do with the car AFTER the repo is up to you and the lender. Before the repo, yes, sometimes key cutting is the only way to get the car.(blocked in,cant get to it with a truck,ect) Some keys are very expensive, so make sure you really need one before you pay the money.
Repo agents aren’t allowed to ”break the peace”. By simply confronting or sitting inside your vehicle, they will be unable to tow. This doesn’t mean law enforcement won’t be called in which case you may possibly have to turn over the car, usually depending on your states laws.
can they repo my pickup because i was layedoff
The best thing to do is give them your keys otherwise they will just get a tow truck and remove the car. I just had my car repoed and I gave them the keys to it and they let me take all my things out of the car and even helped me bring it up my door. Not all repo companies are like that. So hand the keys over, its alot easier.
Perhaps, it depends on the repo company's policy.
In New Jersey we are not allowed to move other vehicles out of the way to perform a repo, and we are not allowed to enter dwellings, either physically or with equipment.
yes they are allowed on your property hide it in the garage if you have one