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Yes. It is perfectly legal for a repossession agent to take possession of a vehicle when they are acting on behalf of the lender. The repossession agency does not have the option of allowing the borrower to retain the vehicle even though proof is presented that payments have been rendered. Such issues are strictly between the borrower and the lender. The lender and/or court being the only parties that can rescind the repossession action.

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โˆ™ 2006-07-04 13:59:20
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Q: Can a repossession agent take a vehicle without waiting for the borrower to show proof that payments have been made?
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Related questions

Is there a green warning sticker before vehicle repossession?

Not typically, in fact in several years experience in the industry, I have never heard of such a practice. Repossession, beyond being a waiting game, is a game of opportunity. When the repossession agent finds it, he will take it. The last thing any of them want to do is give you prior warning that they are on your trail, and to give you the opportunity to hide it and make their job more difficult.


What right would you invoke when apprehending any repo agent for breach of the peace?

Sorry, but you are confused. In most cases of breach of the peace, it is the borrower who violates. Repo drivers want to get in, get the car, and get out as quickly and quietly as possible. The common scenario is something like the borrower running out when the vehicle is hooked and driving it off the hook and spinning off to prevent the repossession. Other scenarios involve weapons, assaults, and other pathetic demonstrations in an attempt to driver the repo agent off. Most repossession agents will not breach the peace, and will leave immediately as long as they have not hooked the vehicle. They will even often attempt to diffuse the situation by trying to explain to the borrower the facts of the situation. In most of the cases where the driver is sent away by law enforcement, the vehicle is typically recovered later, at the most inconvenient time possible for the borrower, say on his way out of Piggly Wiggly with a cart full of melting ice cream, being followed by five screaming kids. Repo is a waiting game, and a game of oportunity. The people who recover vehicles and investigate every aspect of your life are very good at what they do. It is not a question of if the vehicle will be found and taken, but when.


Is it legal for repossession guys to follow you or is this harassment I am scared to come home afraid Ill find them there waiting you have a small child and today the repossession guys did follow?

Repo people are the scum of the earth. They are nothing more than prostitutes for finance companies. Yes, the can follow you as long as they do NOT try to physically remove you from your vehicle. That would be an assault. If they enter your private property, you can tell them to leave, if they don't, that is criminal tresspassing. Anytime you park your vehicle, either have it parked in a closed garage or have it blocked by other vehicles. Repo folks cannot enter a closed garage (at your house) or remove any vehicles blocking your vehicle. Repo folks can have keys cut to your vehicle WITHOUT your permission. Repo folks can tell you by law, you must give up your vehicle to them...THAT IS A LIE I am in the towing business and they cause so much trouble for towing companies. If you get out of your unattended vehicle for just an instance, consider your vehicle GONE . Repossession agents can obtain a court order (replevin) to recover a vehicle. The person who has the vehicle must surrender it or be held in contempt of a court order. It is not illegal for them to come onto the property to retrieve a vehicle subject to repossession. It is a fact they cannot take a vehicle from a garge locked or not or remove a lock from a secured gate without a court order. It is perfectly legal for them to follow the vehicle regardless of who is driving it, and to take possession of it at the first opportunity that will not constitute a breach of peace. Repossession agents are simply doing what they were contracted to do by the lender. a vehicle does not belong to the borrower until the contract agreement has been completed according to terms. Who wrote the contract that says they may take your personal items and then sell them back to you when you inquire about them? Opportunistic scumbags indeed..... Try paying your bill and the repo man will have no choice but to ropo other peoples unpaid for junk.


How many months will a repossession man look for a car before they sue?

I've personally seen repossession cases sent from agency to agency for as many as five years before the lender ever attempt to take it legal. You have to understand, they lose nothing by waiting and potentiall gain a tremendous amount of accrued interest. Repossessions is a waiting game. It is important to know that with improvements in technology and changes in the law, it is becoming much more difficult to hide from your obligations. Your best recourse is to stop running, surrender the vehicle, and get on with your life.


How long can your car be held from you after you have paid the repossession fees and back payments?

The lienholder is generally not required to return the car unless the loan is entirely paid off. They may choose to do so upon receipt of back payments and reposession fees (or any other arrangment they negotiate with you), but that's up to them. If you have a history of sending bad checks, it's reasonable for them to insist on waiting until the checks clear your bank, normally a week or so.


Can a vehicle be repossessed once bankruptcy is dismissed in Birmingham Alabama?

Definately, and they often are. When you filed bankruptcy, you and your property were protected under the automatic stay. When you failed to satisfy the trustee during the bankruptcy and it was dismissed, the stay was lifted. At this time, neither you nor your property are protected. Repossession activities may and often will continue. Repossession is a waiting game. They have seven years from the date of your last payment to recover collateral or take other action to satisfy the debt.


What is the monthly repayment for a 15 year 10000000 mortgage loan finance at 8 percent per annum?

TEN MILLION! Wow! 180 payments of $94,932.33 - IF you start payments immediately - at the beginning of the month. 180 payments of $95,565.21 - IF you start payments waiting 30 days to start at the end of the month.


How many vehicle are waiting to pass on a two lane road a slow moving vehicle is required to move to the right?

Five vehicles or more.


When a driver is waiting?

when the passangers had not yet come.Added; If they are in a vehicle that is "waiting" in a No Stopping, No Standing, No Parking Zone, or in a marked emergency or fire-lane, then they are subject to receive a ticket.


You may pass another vehicle on the right if it is waiting to?

Never. The only time you can pass another vehicle on the right is if there is a lane on that side you can go into to pass it.


How do you find the repossession balance due after the lender has resold the car without contacting the lendor?

There will be a long waiting period for the bank to send you a notice. You can call the bank for faster answers. There will be a long waiting period for the bank to send you a notice. You can call the bank for faster answers.


Do they have entertainment and vendor machines at vehicle service center's waiting area?

Repairing your vehicle can take a while depending on what you're getting repaired so auto repair shops tend to have a television in their waiting areas along with soda and candy machines.

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