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If you're over 90 days late is it legal for the repo man to come to your house at 1130pm and knock violently on your door and flash lights on your windows if your car was in the garage?
Wiki User
∙ 12y ago
One the repo man starts comming around, the courts have given the car to the lending institution. The problem with your question is that the car is no longer yours. The repo man is just trying to get the banks property for them. If you can only be reached at night, that's what he'll do. If you attempt to hide the vehicle and prevent the bank from getting their property, some states will allow the bank to sue you for theft.
The best advice you can get is, either pay off the vehicle or give it back to the bank and pay off the difference between what you owe and what the bank can get for it. Doing anything else will only cause a lot of problems for you.
AnswerThe above is BS. Obviously written by either a lender or repo employee. If your repo man is doing these things, he is obviously BREECHING THE PEACE and can be arrested.The thing with calling the cops and complaining that your repo man is breeching the peace is that, if you feel he is, it's enough to warrant the police coming out. It's a judgment call on your part. When the police come (don't worry they won't take your car unless your repo man has a court order or writ of replevin, and he would have already brought the cops if that were true) just describe what the idiot is doing, and how he's (and his crew, there is usually more than one) making noise, scaring your children etc.That's enough to get him arrested. MANY cops already have a low opinion of repo people already, so all you need to do is give the police a reason such as BREACHING THE PEACE.Most repo guys faced with cops approaching in this situation, will leave before the cops even arrive.This whole repo wiki apparently is a front for the lending industry to use as they wish. It's so full of one-sided 'pay your bills' clap trap advice that you really have to look carefully to find any useful information in it. Good luck.Wiki User
∙ 12y ago
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