Yes, they can, and often they will, because it creates less of a possibility of you trying to intervene.
Usually the bank has a list of repo companies they do biz with and they pick one to repo the car. Maybe the closest to the car, maybe the cheapest, whatever.
If the bank made a mistake they will return the vehicle to you, the repo company is under a hold harmless and work the accounts the banks give them.
No, look up the Fair Debt Collection Act its online.
YES, repoing a car is NOT trespassing. They are there for a lawful reason. IF you ask for paperwork, it would be polite for a recovery agent to show you the papework. Unfortunately, FEDERAL privacy laws PROHIBIT showing personal info(repo paperwork) to anyone other than the debtor.
Call your state DMV. They have procedures for the title work.
They can go anywhere that's not locked.
YES! A repo is a repo. If you turn the vehicle in to the lender and stop making payments this is called a voluntary repossession. The lender will sell the car and you will be responsible for the difference in what the car sells for and the balance on the loan. It will be reported to all 3 credit bureaus as a default on a loan, and your credit will be ruined for 7 years. You would however save to repo fees such as towing. Do not do this. Call the lender and work something out if possible.
They can disconnect the trailer, but, if that trailer isn't included in the order for repossession, they cannot take it - doing so is theft, and a crime.
Some mechanics may work as repossessors, but they can only repossess when contracted to do so by the entity which holds the lien to that vehicle. What you're probably thinking of is a mechanic's lien, which is a lien placed against that vehicle due to a delinquency in payment for work performed.
Yes, the vehicle should still work without a thermostat. Howeve, the enigine will take much longer to reach its normal oprating temperature.
I worked with a guy that had the repo man come to work to take his vehicle, so yes they can come to your work. If you haven't been making the payments and they decide to repo your car that is that and I don't believe they have to go through any sort of legal procedures to come and take your car. You didn't pay so they come and take back their property, simple as that unfortunately for you.
Two years work experience under a licensed repo agency within the state of California is required before starting repo business. An exam is to be taken to be a "Qualified Manager" which is required to ?æbe stationed in all branches. A CA business license is required before operation.