In general, repossession laws in Ohio allow repossession agents to take possession of a vehicle if the borrower is in default on their loan. However, there are certain restrictions on how repossession agents can take possession of a vehicle.
- *Ohio law allows repossession agents to take possession of a vehicle if the borrower is in default on their loan.*
They can do this even if the vehicle is located on private property, such as a fenced-in yard or a garage.
- *However, repossession agents are not allowed to use force to repossess a vehicle. This means that they cannot break into a garage or cut a lock on a fence in order to take possession of a vehicle.*
- In general, a repo man can:
- Repossess a car if the borrower is in default on the loan.
- Enter private property to repossess a car, including a fenced yard or garage.
- Use a tow truck or other means to remove the car from the property.
- However, a repo man is not allowed to:
-Use force or violence to repossess the car.
-Damage the car or property in the process of repossession.
-Enter a home or other building to repossess the car.
- Repossess a car that is not legally parked.
If a repo man violates any of these rules, you may have legal recourse. You may be able to sue the repo man for damages or to have the repossession reversed.
Additionally, if a repossession agent does repossess your vehicle without your permission and without a court order, you may be entitled to
- sue for damages such as mental distress, loss of use, and conversion (illegal taking of personal property).
- file a complaint with the Ohio Attorney General's Office's Consumer Protection Section or The Better Business Bureau.
