Can my car be repossessed at my house or workplace?

Can my car be repossessed at my house or workplace?

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Can my car be repossessed at my house? Can my car be repossessed at my workplace? Many people wonder where their vehicle can be repossessed. Well, the answer is almost anywhere. Even though you may think your vehicle is safe at home, or even at your workplace, think again. The bank, dealership, or other lender owns the title to your car. They own it; you do not. That includes any aftermarket accessories that you may have put on the vehicle, including brush guards, custom exhaust systems, and yes, fancy rims. You will be hard pressed to regain possession of those accessories and items, as they are now considered part of the vehicle.

A bank, dealership, or other lender can hire a repo man, or repossession company, to take back, or repossess, your vehicle almost anywhere. One major rule they cannot break is breaking into any premise. If a vehicle is in a closed garage, a repo man cannot enter it to repossess your vehicle. If however, the garage is open, many states allow repossession agents to enter the garage and repo the car, truck, or other vehicle. You should check your state’s repossession laws and your vehicle’s contract / loan agreement to be sure about this and other restrictions.

It also does not matter if you live in a gated community such as a high-end condo or neighborhood, or even in an apartment complex that has a gated, private parking lot. Because the complex or neighborhood generally has an association or other management team handling the affairs of the residents, a repo man is usually allowed to repossess anywhere a vehicle is in the open. Check your contract to be sure, but the complex’s property is not your private property, and this, your vehicle is in the open, and can be repossessed.

The main rule or law that a repo man or repossession agent absolutely cannot break is a breach of peace. A breach of peace is well, anything that breaches the peace. This includes forcibly removing you or passengers from a vehicle, or stopping you on the street or highway, similar to a law enforcement stop (like if you were pulled over for speeding). A repo man or repossession agent cannot pretend to be a law enforcement officer while conducting a repossession. As mentioned above, a repossession agent cannot enter a closed garage or home, and definitely cannot break into your house. Other breaches of the peace include creating a disturbance, such as a fight or other altercation, or threatening any of the above actions. If any of these actions should occur during a repossession, you should immediately report the incident to law enforcement authorities, and contact an attorney to assist you in the matter. If a breach of peace occurred during repossession, the lender, creditor, or whoever hired the repo company may not be able to keep ‘their’ vehicle, as it was taken illegally.

For more information on vehicle repossession, including information from the Federal Trade Commission, and repossession laws for every state, visit



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