If "you" are the lienholder then yes. If you're not the lienholder or their authorized agent (e.g. a repo man working for them), then no.
yepAKA, the Fair Debt Collection Practices Act, nope.All a repo agency (or any other debt collector) can do is verify your employment and location. They CANNOT reveal ANY debt information (much less their intent to repo your vehicle) or even insinuate that you HAVE a debt. For more info on what a debt collector can and can't do, take a looksee at: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf If a repo agency DID slander you to your employer, please take the time to complain about them ... they have invaded your privacy and stomped on your rights!!
the lienholder can repo at anytime as long as there is NO breach of peace.
When it gets to your CR, a repo is a repo is a repo. Theres only one.
Then you're still liable for the money you owe the lienholder.
Yes, the repo man can still recover the vehicle. The term charge off only describes the status of your account with a financial institution. It doesn't resolve that actual lien that the financial institution has on the vehicle. In other words, your name is on the title but financial institution is the owner/lienholder of the vehicle until the balance on the account has been paid off.
You're talking about trying to repossess it from the repossessor? Short answer, no. You're committing theft - possibly grand theft, depending on the vehicle's value. But the repo agent coming to repossess your car isn't commiting theft. Double standard? No. The thing of it is, it is NOT your car - the lienholder is the sole rightful and legitimate owner of the vehicle. The repo man isn't taking your car away - he's reclaiming the lienholder's property after you failed to meet the terms of the finance arrangement.
Nope. It's not your car - it's the lienholder's car. And the law permits the lienholder to recover their property when the conditions of the lien are not met.
Yes, if they are accompanied by a Sheriff and have the proper documentation stating that the lienholder would like the vehicle recovered.
The same way a loan company does, HIRE a REAL repo agency to do the job.
Have you asked/demanded that she return it? Have you sent her a certified letter demanding the return? IS her name on the title? Lots of questions a reputable repo compnay will ask. email me @ wonk at 14ma dot com if you need more help IF the car is titled in YOUR name, you can just go get the car. IF you are the lienholder on the title, you can hire a repo compnay to pick it up.
Section 807.1 of the Fair Debt Law states that no debt collector can state that they are vouched for, affiliated with the United States or any state including the use of a any badge, uniform, etc.