Nope. Pure and simple, the car is their property - they own it outright as they put the money up (paid the dealer or private party) so that another could purchase it over time and eventually own the car. The lender will do everything in their power to collect on the debt ... there is no such thing as a "free ride" in America!!
The person repoing your vehicle should let your sheriff office know about the repo within 24hrs. When they come out to repo your car they should have the contract and a copy of the title. It's the law. You CAN tell them to leave and they should leave. They do NOT have to notify you that they are repoing your vehicle.
Yes
Highly likely.
Yes, they can. They can not however breach the peace. So if you catch them in the middle of repoing your car and you tell them to drop your car and leave, they have to drop your car and leave. Yes, they can. They can not however breach the peace. So if you catch them in the middle of repoing your car and you tell them to drop your car and leave, they have to drop your car and leave.
In any state, what you do with the car AFTER the repo is up to you and the lender. Before the repo, yes, sometimes key cutting is the only way to get the car.(blocked in,cant get to it with a truck,ect) Some keys are very expensive, so make sure you really need one before you pay the money.
Not likely. There is usually a clause that the car has to be paid for by a certain date and bank delays mean nothing.
i have been repoing cars for ten plus years ,and yes they buy the rights along with the debt
Only if the lender broke some law while repoing the car. Call a local attorney for state specific advice.
Yes
First question is, was there a repo? Was the car NOT worth repoing? The lender doesnt have to retrieve the car on any certain day. You still have the option of paying off the loan.
You wouldn't exactly be "repoing" your OWN car, now would ya? As long as you are on the TITLE as owner or c-owner, go get your car. Be ready when they call an attorney. Have some kind of proof that they are in default of the agreement.
NO, that is the job of the leinholder. YOU dont want the responsibility of repoing it either. IF you are listed on the TITLE as co-owner, you can go get your car. Otherwise, sit back and enjoy the fruits of co-signing.