Does a repo man need to see the VIN number on your car before he can take it?
Why not just make the payments and avoid to whole thing? He will take the car based on more than just the vin#.
An unlawful repo is a theft. Hence it would be handled as such. But most repo companies have the documentation to show they have the right, whether you feel so or not, to take possession of the vehicle. In fact, in most jurisdicitions they advise the police of it before, or right after, attempting the repo. What good would an unlawful repo do someone...they couldn't get title?
If you are current on payments and leave a car at the dealer because you are way upside down does it hurt your credit?
They repo your car and sell it at auction or sometimes to a good buddy. What they sell it for is deducted from your debt but they add back the cost of the repo and selling at auction. Now - If they think the amount still owed is worth going after you and your assets -then they can go to court for a judgement. If you can't hang on to it ask them to take…