No, they cannot take a vehicle which is occupied at the time they hook to it. However, if you jump into a vehicle after they've hooked it, then they can't leave, but they can take legal action against you.
No one has the right to enter your property to repo a vehicle. I your vehicle is out in the street, then its fair game. If you see the repo man coming but has not hooked up to your vehicle, you legally still have possession of the vehicle. Once the vehicle has made contact with the truck the vehicle belongs to him.
Yes.
You may have to take the repo company to court, and prove that they damaged the vehicle. They have supplied the loan company with a copy of any damage that they show when the vehicle was picked up. And I you were driving it, you may be able to prove that the vehicle was operable. An attorney may have to be consulted.
Yes they can take the car were they need for safe storage. Just FYI if the repo company has the car it's no longer yours.
Yes.
Repo companies don't just throw up their hands, say, "well, I guess that's that" and quit. They'll keep after you. If that fails, then the finance company will simply take you to court, and you will lose that one - the car doesn't belong to you - it belongs to the lien holder.
Perhaps, it depends on the repo company's policy.
A repo worker does not normally pick up a vehicle unless he has an order from the lien holder (usually the creditor who financed the vehicle). If you own your vehicle outright with no liens against it, the repo person probably picked it up by mistake.
No a repo person can not break into your home to repo your car. Repossession persons can not damage or destroy any property in attempts to take possession of a vehicle.
As long as it takes to get it back.
It can happen as soon as they find the car. Sometimes within hours.
It all varies by your state laws. but normally the lender will search for repo and towing companies in the area where they think you are and they search for you and come and tow your car to a tow company or repo company lot, then they contact your lender, so you need to contact your lender to arrange payment or to get your stuff out of your car. Hope This helps Adam OUT