Once the bank has declared the loan to be in default and has initiated the repossession process, the vehicle becomes theirs to dispose of as they see fit. The agency towing the vehicle becomes the agent of the bank, taking possession of the property of the bank. After the repossession, if you and the bank work out terms for you to regain possession of the vehicle, you do so from the bank and the vehicle is returned to you without warranty or additional obligation other than the terms of the loan. Damage which occurred while in possession of the bank may be repaired at the disgression of the bank, but they probably won't cause trouble for the towing agency, since they want to maintain a working relationship with them. The bank will probably just tell you to keep your note current next time.
If the repo agent can demonstrate that he has lawful claim to take the car then the Police Officer cannot prevent him.
no
That act in itself isn't a crime. However, if you tell a repo agent you don't know where the car is, then the repo agent will report the car stolen on behalf of the finance company (the rightful owner of the car).
yes, but no cars can be moved or damaged in doing so.
NO, but you can get it repaired. Do you have any proof that it was the repo that damaged it?
The repossession agent is not a law enforcement agent, and has no such authority.
How do i get a repo agent license in Illinois
No. A repo agent is only permitted to move and enter the vehicle which they have an order for repossession on.
your mom can
If "you" are the lienholder then yes. If you're not the lienholder or their authorized agent (e.g. a repo man working for them), then no.
No, the repossession agency must return your personal property undamaged. Usually you have to go pick it up. If your property is damaged, the agency should have insurance.
contact your repossession companies, car dealerships in your area