Considering that the LENDER will be the one to report it as a "repo", wouldn't it be best the discuss it with the LENDER?
As cosigner on the loan you are equally responsible for for payment on the loan. If the lender has hired a repo company to take back the ATV for non payment, then the repo company is going to do everything possible to get it. That includes the frequent visits to your home in an effort to locate the ATV. If you want the repo man off your back, tell him where to find what he is looking for....or contact the lender and bring the loan payments current immediately.
A 'Repo Man' is a person who gets paid by a company to repossess anything (usually cars, planes, automobiles, etc.) that hasn't been paid for in 3 months or more. The person can just take it back to the company, but he/she has to have the right papers so they can take it. Basically, if the person hasn't paid the rent (usually for cars and such) for a while, it gets repossessed.
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