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You should verify this for your particular state, but in general a company or bank may repossess a vehicle only. Any personal items left in the car still belong to the owner. If you are denied access to your personal property, you can contact the police and file a theft report or you can sue for damages. If the speakers are not part of the car, any and all property should be able to be claimed by the owner.

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Q: Can you recover your speakers if they were just sitting in the trunk of your repossessed car in Colorado?
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