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Yes, in at least two scenarios:

  • If the property owner gives permission to the repo agent to enter and take the vehicle, provided there is no free access to it: i.e. it is gated or the vehicle is tored in a structure.
  • If the repossession agent has free access to secure the vehicle. That is, if the agent does not have to remove locks, or enter a structure.

Here's a common misconception though. Many debotrs believe that if they live in a gated apartment complex that the driver cannot enter to secure the vehicle. Not true. Provided the driver has not been served a notice of trespass by the property owner, he has access to the property as long as he can secure access. Security gates are not infallible, they can be circumvented.

You contracted to pay the loan. You signed the right to cure. You gave your permission for the vehicle to be repossessed in the event you defaulted. You did default and the repossession agent did his job. If you continue to refuse to honor you contracted obligation, you will still pay what you owe. It's just a matter of time and sometimes legal process.

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