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First, it isn't "your car" anymore if it is being repossessed. The agency is taking back property that they own outright, and they are entitled to do just that. By whom or what towing agency the car is removed by is of no concern to the people who decided to breach the written contract by not making the agreed upon payments.

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Q: What if your car is repo'd by a licensed pi skip-tracing who called a towing company and said he needed a car towed he didn't have the keys but he had paperwork the towing company isn't a recovery com?
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