Law & Legal Issues
Repossession
Prison Incarceration

Can a vehicle repossession agent legally call your home at any hour and pretend to be someone else?

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2005-09-21 12:30:09
2005-09-21 12:30:09

No check the Fair Credit AcT its online. I wasn't sure if they fell under the umbrella of 'collection' practices. Thank you so much!

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No you can not "legally" hide a vehcile being sought for repossession. In most states you can be charged with a felony for hiding one.

Legally if you miss 1 payment you are delinquent and they can start repossession proceedings on their vehicle.

Legally if you miss 1 payment you are delinquent and they can start repossession proceedings on their vehicle.

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I assume you mean a repossession of a vehicle if you let your insurance cancel. When you purchase a vehicle and finance the cost of the vehicle you sign a legally binding contract. One of the terms in the contract is always that you must carry physical damage auto insurance payable to the finance company if the vehicle is a total loss or damaged. If you fail to keep this insurance you have broken the contract and the vehicle is subject to repossession and you may be sued for additional damages if the value of the vehicle is less than the amount owed to the finance company.

I don't think there is a statute of limitation on repossession of a vehicle anywhere as long as there is an overdue payment outstanding.

Dealerships are not typically recognized repossession agents, however, if you bring in a vehicle for service, and a valid repossession order exists for that vehicle, the delareship may secure the vehicle for the lender so that repossession may take place.

It depends on the terms of the contract. Legally if you miss 1 payment you are delinquent and they can start repossession proceedings on their vehicle.

No, a juvenile cannot enter into such an agreement and the repossession agent could be held legally accountable for attempting/taking part in such action.

A "repossession notice" is a civil matter. A police oficer cannot hold the vehicle for repossession. Unless, there has been a court proceeding and the judge has ordered the vehicle held if stopped. A repossession notice also cannot stop the registration of a vehicle.

a voluntary repossession is where you turn over the vehicle instead of us having to come get it from you. www.aerecoveryandtowing.com

Legally, no. This would fall under wrongful incarceration or kidnapping. The repo agent can block the vehicle in until that person gets out and then hook the unit. If the person re-enters the vehicle afterward then all bets are off. If the police are called in this situation, someone is likely to go to jail for breach of peace, and the repo agent has a legally binding notice of repossession.

No. Absolutely not. If they enter a vehicle they do not have an order of repossession on, they've committed a crime. They may enter the vehicle they are there to repossess, and only the vehicle they are there to repossess.

No. Unless they're given permission from the owner of the other vehicle, they can only legally enter and move the vehicle they have an order for repossession on. If they move another vehicle, they're guilty of a criminal offense.

In most states, yes. Provided the repossession company made a good faith effort to secure the unit, especially if their efforts motivated the borrower to make good on the bad debt.

Yes, until the note is completely paid it still belongs to someone else and can be repossessed. If the transport trailer maybe also if it's on the same note.

If you legally own it, file a police report for a stolen vehicle.

Legally if you miss 1 payment you are delinquent and they can start repossession proceedings on their vehicle. Remember it is not your car until you pay for it. It belongs to the lender.

No, that would constitute a "breach of peace" . However the repossession agent can call the police and request assistance some departments will comply, many will not due to the fact that it is a civil matter. However, if the repossession agent has a replevin order from the court the police will assist him in recovering the vehicle.

No. The only vehicle that can be repossessed is the vehicle for which the agent has a valid order of repossession, OR in some cases, a vehicle the agent encounters (such as reported by a camera car) in the process of locating another repossession. Anything other would be wrongful repossession or possibly grand theft auto and extortion.

I am a repossession agent in Virginia it takes 2-3 months of not paying before the repossession status occurs.AnswerI am a repossession agent in Virginia it takes 1 missed payment then repossession status occurs.

They have no liability for a vehicle repossessed lawfully from their property.


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