No its is not legal.The "investigator" can call the police all he wants the police DON"T CARE!!!There are no charges to be filed!!!!This is civil matter between you and the lender the police will not get involved.Record this repo-moron phone calls if possible and file a complaint about the lender(who employs this idiot)under the Fair Debt Collections Act.Also contact your states Attorney general office and file a complaint against the lender.Good luck. Also, call the phone company for harrassing phone calls if they are calling in the middle of the night. You can have the phone company threaten to disconnect their phone service. If you can prove the calls are continuing after you have requested that they stop, you might be able to go after them for damages under the new telephone soliciting laws. Some of the debt collectors are real morons and should be taken down a notch or two. On the other hand, maybe the easiest thing to do would be to pay the loan.
Some property auctions may be conducted by the police department, but only if the property were seized by that agency as lost, found, forfeited, or seized. You would have to check with the individual agency.Added: "Property" as used in this context does NOT refer to real property but to other moveable items and articles.
A better route is to contact the police department. Visit the police department as soon as possible and ask for help in filing a police report. You can inquire there about pressing charges. However, cases of abuse should be reported immediately. The longer you wait the less likely it is that the report will be taken seriously.
Most large police Stations, Railway Stations, Shopping Centres, and so on, will usually have a 'Lost Property Department' where any lost property handed in will be kept until the owner returns to claim their property. In the case of the police (at least in the UK) they will periodically offer unclaimed property for public auction.
The watch belongs to someone who presumably earned the money to buy it. If they filed a report with the police department, it can be returned to its owner. Some police agencies hold found property like this for a set period, and if it goes unclaimed, it can be returned to the person who found it. If that happened, you would own it lawfully. If you decide to keep it and not give it to the police, you may be in possession of stolen property and liable to criminal charges.
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