- Repossession agents are allowed to enter private property if they have permission from the owner (i.e., the borrower).
- If the repo man can see the car from a public location (e.g. the street or a neighbor's property) they can enter your property to repossess it without your permission.
- If the repo person has a court order that explicitly allows them to enter your property, they may be able to enter forcibly.
- If a public official (e.g. a police officer) requests or gives permission for them to enter your property.
- If the car is on a public street, the repossessor can legally repossess it without prior notice.
If a repossession agent shows up at your workplace, they are generally not allowed to harass you or interfere with your work. They cannot enter your workplace without permission from your employer or a court order. If a repossession agent is causing a disturbance at your workplace, you can contact the police.
Here are some additional tips for dealing with repossession agents:
- Do not physically resist repossession as it is illegal in all states and may result in violence or arrest.
- If the repossessor is using excessive force or harassing you, call the police.
- If you are concerned about your safety or the legality of the repossession, consult with a lawyer.
- If you cannot repay the loan, you can consider hiring a bankruptcy lawyer to explore your options for protection.
