What rights do we have.car repossessions?

they can take your car while at church or the store but they cannot take it out of your garage. They cannot harass you on the phone before or after business hours but they are not allowed to make physical threats. As far as calling family members I am not sure but I am sure that would be legal as long as they are not making threats of physical harm.

Bottom line, pay for your car or they will take it. You signed a contract be responsible and pay for it or legally it is theirs. Sorry, I know that you don’t want to hear this but the truth hurts.

They can take the car wherever and whenever they please - it does not belong to you.

They cannot come into your garage. They can take it if it’s in a public parking. Church and store parking lots are fare game.
Good luck with the BBB. They will assume you are a deadbeat who can’t keep up with a car payment.

You owe them money or the car so they have a right to do that …… yes.

As for taking it out of the garage I don’t know about that. But I do know they can take it if it is out in the open.

They can only hold it for 30 days though before selling it. (ga law anyway) You have 30 days to bring current or to pay off.

And repo companies are not bound by FDCPA (fair debt collection practices act) it is only collection agencies.

If you pay your bills you don’t have to worry about it. Deadbeats costs banks a lot of money and drive up interest rates for the rest of us.

They cannot take the car out of your garage. They can take i from the grocery store and church or any other place it is parked. They should not be leaving calls with your info at anyone’s. Legally, they can say they need to speak to you about a personal business matter, but may not legally give out any more info that that. I do believe you can go to jail for auto theft if you “hide” the car.

> Can they take your car out of your garage?
Yes, but they have to have a court order. They don’t because it’s too much hassle.

> Can they take your car while your in the store grocery
> shopping or at church?
Absolutely. And they don’t use keys- too time consuming. They break a window and hot-wire.

The harassment is illegal, but the repo isn’t.

Well technically, its really not your car until its completely paid for and it seems that your having trouble with that part. If your garage is locked they cannot get it because its breaking and entering. That doesnt mean they wont, just means theyre not supposed to. Repo people get away with alot because people think that because they were behind in paying, the police wont help. Wrong! If you leave your car unattended anywhere (church, store, street, etc) a repo man will take it.

As long as the information they are using to collect doesnt include your social security number, this is all information that you submitted when getting the loan from the bank. As long as this info is used in good faith to attempt to collect a debt and not to slander you maliciously, its legal.

It’s funny…. There is nothing they can do if they cant find it? Possession in 9 tenths of the law. This is why they steal it in the night. I think it has something to do with contract agreements btween two parties and its easier for them to find it and sell it then take you to court plus they have to find you first. I once had a car for 2 years without being found because they would not take my payments to catch it up, and the company “Americredit” had wrote it off, but still wanted to collect the car and charge me for the full unpaid balance even after it would be sold. They cant take it out your garage, but they can block until you call the police, they also have to have a warrent this is why they try to attemidate you and steal it in the night. They can take it wherever they see it. ***Dont apply for credit using your current addresses or location, don’t apply for anything new, no utilities, no new phone, no nothing, use different addresses like a mail box R- Us company, where you can use the address as a suite number. US postal wont allow this, but private mailing venders will. Dont use your personal information on the internet, classmates.com or any of that junk until you pay it all up or decide to give it back because you have other arrangements. I had nothing in my name I had moved to another state and was going back home to renew my tags every year. I never would register that car in the new state! They could not do searches for me I had no mail sent to the house I lived in. Its was like I still lived where I had, but vanished into thin air, no history to track me other then what they knew and could not follow. I never hid the car not one time either. Also they can unblock blocked phone numbers when you call them back so don’t call back from a land line or cell number in your name, they will track you straight to wherever you are. I tested this when I called them from a friends house blocked and they harrassed the hell out of her! She got them off her back by telling them she had guest over and I may have been one who asked to use the phone, but she did not know me that well and I came with someone and they stop calling her! When I called the repo man to pick it up 2 years later. He was so impressed he asked me how did I do it. He was a private investigator and said he was the best and I had him stumped, of cource I never told! LOL! This may sound extream, but the thing to remember is everyone is trying to profit of your demise. Everyone is getting a cut from “me/you/us/we the people”, for having a rough time in our lives! I refused to let them win when I have tried to do better and they wont allow me to. The only one who was going to hurt from that car being picked up was me or in this case you. They all are still going to get paid one way or another and they use collection agencies and others to scam you for your misfortune. Leaches!!!!