Can a repo man go into a locked or closed garage?

Answer 1

No, they cannot enter the garage locked or not without a court order. Likewise police would not get involved in the issue unless such an order was in place or they were called due to a physical altercation or other violation of the law.

Answer 2

Your alternatives are, you can make a big stink about how he got into your garage or you can just face the fact that the lending institution wanted their vehicle back. If you lock up the vehicle and prevent the lending institution from getting their vehicle, it's effectively theft. If you insist on your right to hide the vehicle, the bank would go after you for theft. Be grateful that everything ended without you going to jail. You'll still be required to pay the difference between the outstanding loan amount and the income from the auction of the vehicle, but you're not locked up. Don't let people convince you that you can keep what isn't yours. It will just get you into trouble.

Answer 3

It depends upon what you authorized when you signed the promise to repay the loan.

In theory, you can certainly give the lender permission to hire a repo-man to enter your property at any hour of the day or night, including any necessary forcible entry to an unoccupied dwelling, agree to pay for any damages or injuries occurring, whether or not you own the premises, and any other reasonable steps that the repo-man might take to find, possess and remove the pledged property.

On the other hand, some states prohibit repossession of a pledged vehicle unless it can be done "without a breach of the peace", including trespass.