Briefly, if they(the bank via repo guy) have the car its theirs until you bring your account current and they give it back but they are not entitled to your personal property or the plates. The repo guy will try and charge you bogus storage fees(for your p.p.) and try to get you to sign a wavier which absolves them and the bank of any and everything to do with the repo.This includes a statement that all of your p.p. are there so if stuff is missing(repo guys steal )or your car is damaged it makes it harder to sue.They will want you to sign it before you see your car or p.p. Do not sign !!!!!!!!!!!!!!!!!!!! Another question you need to ask is do you want the car back? If you do want the car back you have little choice but to pay the extortion because each day that goes by is another $100.00 to store the car. If you do need to sue remember sue the lender not the repo guy.
if i understood what i have been told they can not destroy your property to obtain the investment they are repossessing.The recovery papers are to obtain legal possession of the vehicle mentioned in the orders.
IN ANY STATE YOU MAY GET YOU THINGS AT THE TIME OF THE REPO OR YOU CAN GO TO THE YARD AND HAVE SOME ONE HELP YOU.
They have no liability for a vehicle repossessed lawfully from their property.
Yes. It is your personal property. It is taking up space on the property of the repossession agency. They may charge you for using that space.
Yes
Yes. The repossession agent may recover the vehicle so long as he has free access to it, on private property, public property, federal property (with the proper permits), even a limited (key card) access parking garage so long as he is given access to the garage. Keep in mind that hindering the repossession of a vehicle is a crime in most states. In situations when this has happened, the agent or the lender may seek a replevin. In the event a replevin is acquired, it will be served by a law enforcement officer accompanying the recovery agent, you will be ordered to surrender the vehicle, and your failure to do so will land you in jail and the LEO will supervise the recovery of the vehicle anyway. Your choices then, when a vehicle is up for repossession is to surrender the vehicle voluntarily, or give the recovery agent grief and give him a reason to take it when it is easiest for him and most inconvenient for you. Consider that recovery agencies are in the very specialized business of finding and securing vehicles that those who haven't paid for them are trying to hide. In six years of skip tracing, no one ever got away from me, and there are skip tracers out there far more skilled than I.
Yes, a voluntary foreclosure (deed in lieu of such) is a foreclosure just as a voluntary repossession of a vehicle is a repossession. All the same penalties/fees, recovery of debt laws apply and the information entered on the debtor's credit report will be as a foreclosure regardless of the circumstances involved.
No, but they can be cited for contempt of court if a replevin or other court order is issued for the recovery of the vehicle.
They can charge a fee if they have processed your stuff ..that is bagged logged etc..If what you have posted is supposed to be $45.00 that is not unreasonable.....$450.00 that is.
In the state of New York, provided there is a legal order for repossession, once the vehicle is located, it may be secured and recovered. The repossession agency has 24 hours to notify the registered owner of the repossession, but they are only required to do so by mail, and may do so to the address of record on the registration. They do not have to notify anyone at the time of repossession other than local law enforcement of jurisdiction. They must inventory and secure any property contained in the vehicle, and may charge a storage fee for that property.
Depends upon the company/agent who has the contract for repossessing the vehicle. They only get paid if they recover the vehicle so in most cases they "look pretty hard." Please note, that the majority of U.S. states do not require a replevin order for vehicle repossession matters. However, if such an order has been issued, the person who is named can be held on a contempt of court charge if he or she tries to interfere with the repossession. Please check your state statutes concerning the type of action repossession agents can employ for recovery of the property.
You need very good proof it was not damaged before the repossession. Nearly impossible to do as he can say it was damaged when he got it (and he will, believe me).