Technically, once the lending agency has gone to court and had the loan declared to be in default, the vehicle is no longer yours. After the judge awards the action by the lending institution the repo man is just acting as agent for the lending agency to get what is righfully theirs. You haven't paid for it and haven't kept current on the terms of the loan so the vehicle isn't yours. The policeman is only there to make certain that there is no violence when he picks up THE BANK'S car. Yes, he can make you give it to the repo man.
Yes, afterall, the repo-car is still the legal property of the person who has sent the repo-guy to retrieve it.
NOPE. No state requires lenders to tewll you that you are in "repo status". The lender desire for you to make the payments will sometimes give you a clue.
Go get the car. If you don't feel safe ask a policeman to go with you.
NO, but you can get it repaired. Do you have any proof that it was the repo that damaged it?
The repo company should notify you about your belongings, if not, Contact your bank who will give you the phone number to the repo company who took your car and make an appointment within 30 days.... after 30 days your belongings are trashed
The repo-man doesn't have to give his name. He can only tell you which bank sent him & where you can pick up your car when bank okay's it
The statute of limitation expires five years from the last payment. They can't repo the car, but they don't have to give you a clear title either.
If the repo agent can demonstrate that he has lawful claim to take the car then the Police Officer cannot prevent him.
"debtors" can never repo cars, LENDERS can, even after you make 'arrangements". As long as you are in "default", they can repo.
yes
Yes. You might as well give it to him because he will get it.
Until the LENDER cancels the repo order with the repo company, you are fair game.