imported post
You'll all be proud of me.. I had my 2007 motorcycle repo'd a few months ago. I was OC, got a phone call from an "Agent Winters", and walked out to my parking lot to find a very very large pickup truck, a lady in it, and a guy trying to move my bike. I simply walked up and gave him my key and said Have A Nice Day.
You guys are wrong about an owner knowing the car hasn't been paid for. Husband and Wife; Wife drives the car, husband pays the note; subsequently is getting the phone calls and statements. Well I know plenty of households where only the husband or only the wife actually opens the bank statements and writes the checks. Say the husband hasn't paid the note; he feels to guilty and hasn't told the wife yet; she's home alone and a repo man comes for the car. She can't reach the husband by phone. The repo man can show her any piece of paper he wants; she still would act in good faith to keep the property and verify with her husband when she can. I do know that any disagreement or confusion is easily easily solved by calling over a police officer, 911 non-emergency if you are willing to talk to the guy, or 911 emergency if you are a woman, home alone, and a very large dude is trespassing on your property, coming for your car and walking up to your door. I know a lot of Stay At Home wives that would be easily frightened by these 250 pound 6'2'' ex-Marine type dudes pounding on the door or simply chaining up your car outside.
And All I'm saying is, After the cops are called- and Before they actually pull up on scene- it wouldn't be to unreasonable for that very frightened Stay At Home Mom to pull her shotgun out and call to the giant man on her property; STAY BACK I CALLED THE POLICE AND I HAVE A WEAPON! STAY BACK OR I WILL SHOOT!
See, she doesn't know WHO he is or why he is there. She is blissfully ignorant to the fact that her husband hasn't paid the note lately. To her; that guy, is just a guy- papers in his hand or not.
It is reasonable to "draw down" on a repo man in some situations; as they tend to take people by surprise (duh!) and they act sneaky in some regard. Lots of guys, and most women, are frightened by these guys anyway; not to mention if they are trespassing on your property.