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.
That is the only way you can repossess a vehicle. Repossession comes under the UCC which grants a lienholder the right to repossess but only if they have perfected their lien by filing it on the title. One caveate is in most states the lienholder can not repossess a vehicle that is under a mechanic's lien without first paying that lien.
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.
Your best bet would be to contact a repossession company there. You happen to be very lucky, there are some major companies there that are extremely effective. Check your local yellow pages.
A Repossession Agent, if he's operating under the law, CAN go on your property to locate and repossess the item he is legally entitled to. The law does no address such acts as shining a flashlight in your window.
The limit is in the contract you signed. It likely says that when you are in default the lender can repossess. That means anytime you are behind at all... even one day, although most places wouldn't do that. They would rather get the payment rather than go to the trouble to repossess.
The lender can legally take the vehicle one day after the payment is due. That is, on the day the payment is late, the lender can begin repossession efforts. The day the payment is late, the contract is void.
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.
Only if you have a lien on it.
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.
The only way you could repossess the vehicle legally is if you maintained a lien on the title or if the title remained in your name--and in most states the title was perfected (registered with the state DMV).Any attempt to take the vehicle back otherwise could result in criminal charges.Additionally, specific laws must be followed in most states to repossess property. Failing to do so often results in a wrongful repossession and return of the property to the person from whom it was repossessed. Substantial fines and criminal charges can be placed against those who wrongfully repossess.
A self-help repossession state is one where a creditor is legally allowed to repossess collateral without going through the court system. In these states, creditors can take back the property if the debtor has defaulted on the loan agreement. Self-help repossession states typically have specific rules and regulations that creditors must follow when repossessing property.
No.