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Answered 2015-07-16 18:03:25

Jen, IF and only IF there is REASON to think they are up(you see them walking around thru a window, they are outside the home) you can approach them anytime. Its a judgment call made by the repoperson. I usually limit it to seeing the residents outside the home. You may get told to leave ASAP and you better. LOL depends on the agents people skills as to the outcome.

According to the "Fair Collection Act" We can not bother you from 9:00 PM to 8:00 AM

Since the collective act states that repo people can't bother you from 9:00pm to 8:00 am, then what could happen to them if they do bother you?

If the repossession agent is not there to collect a debt, then the fair debt collection act doesn't apply to him. Repossession of an automobile is not a debt collection if you are not requesting payment.

(Actually, you are helping them get out of debt, to an extent.)

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