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In a word, yes.

In most states, as per the contract you signed when you got the loan, the lien holder or his agent are specifically authorized to enter private property in order to look for the collateral. In many states, the lien holder is allowed to seize the unit, also called a "self help" repossession, with no prior notification to the debtor. Some states do have a requirement that a lien holder notify the debtor with a Right to Cure letter, but this only has to be sent to the last known address and the bank is allowed to proceed with a self help repossession after the time period on that letter has expired.

Generally speaking, it's better to try to negotiate with the lien holder rather than allowing the account to get to a point where repossession is necessary. The lien holder will often work with a consumer to make payment arrangements or modify a loan to prevent it from going into default. In almost all cases, your chances of getting repossessed are reduced if you stay in contact with the lien holder, let them know what your intentions and your plans are, and are generally civil and helpful. Banks usually take a loss on a repossesesed vehicle, so their first inclination is to try to find a way to keep you in the car and making payments on the loan.

For more information, be sure to review the terms of your contract and then contact your lien holder to find out what their policies are.

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Q: Can a repo agent trespass on clearly marked private property in wyoming to repo a vehicle?
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Can a repo agent trespass on clearly marked private property in Tennessee to repo a vehicle?

Yes, if they are accompanied by a Sheriff and have the proper documentation stating that the lienholder would like the vehicle recovered.


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They can come onto your property because you gave them permission when you signed the loan.If it someone elses property that is trespass but after they have the vehicle the point is moot as long as they didn't damage the property.


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Can a repossesser come on to your gated property to take a vehicle in North Carolina?

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