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The law on this varies from state to state, but in general, a vehicle recovery agent has to be licensed by the state they do business in, and have liability insurance and be bonded.

They act on behalf of who ever gave you the loan to buy the car. If it was a bank or a credit company or a car dealer, they OWN the car until you pay it off. If you don't make the payments they take THEIR CAR back, using a recovery agent, who gets a warrant of recovery from the courts to enforce the recovery.

Aa a gesture of good will, most recovery agents will let you come to a neutral place, and collect your personal property, as long as you are polite and respectfull to them. I use a video camera, with time and date on the screen, to establish exactly what is, or is not, in any car I recover. That protects me against false accusations by debtors.

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13y ago

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