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Confrontation Tips

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In the repo game you will learn as you go and surely some of you will be subject to some violent situations. Nobody wants to lose their only form of transportation. An important thing for an agent to learn is how to avoid confrontation.

The best way obviously is to do your job stealthy without the debtors knowledge. If you need something from the debtor, go ahead and make contact but be prepared for a possible hostile situation, surely some yelling.

Repossession can be a dangerous career choice, but so far every single repoman that I have met has been very happy with his career choice. It is perfect for those that hate the 9 to 5 office type deal. It is best to learn how to tell the debtor to calm down. In time we all learn how to do this best. Some still won’t calm down but at least some will and that in itself is well worth it.

In all my time in the repossession industry we rarely made contact, and in Florida if the debtor becomes irate, the law is the repo agent must leave. Otherwise it is considered “Breech of Peace” and Breach of peace is illegal. Anyone that irately confronts a person doing a repossession and yells or asks them to stop, the repossession must stop or the agent is involved with breaking Florida law and a possible civil suit. As you can see always best to later have keys made or work out a deal when the debtor comes in for his personal property.

The Repossession Industry

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The repossession industry has been a somewhat hidden industry until the recent years when popular TV shows showed up out of the blue. Problem is these TV shows give false advice to those that want to get involved in the repo business. Constant fighting, weapons and things that clearly make these actions illegal can otherwise be considered the nor in this industry.

While it can become dangerous at time, many times when someone goes on a repossession job it is late at night and very quietly done without any contact at all. The best ways to handle a job is with no contact at all, unless it is imperative you get the keys to the asset, making contact is the worst way to go about it. Avoiding conflict and danger is not only the law in most states but also the safest way to go.

As you will read in the state by state licensing sections, some states make it difficult to get in by adding at least a couple of years previous documented experience to your license application. Any previous felonies will stop your application dead in it’s tracks and become denied.

The repossession industry reaps it’s rewards as well. Working with automobiles the pay is good, but when you do planes or boats the pay becomes much higher and always requires a tremendous amount of prior experience. Some boats or planes are valued in the millions so the finance company or bank wants to be sure the agent is well capable of doing the job correctly without the higher risk of lawsuits or things that can go wrong. In fact many people that get involved in the boat repossession industry have experience themselves in the ability to captain large vessels. Many aircraft repo agents are licensed pilots. While some companies just choose to hire a pilot or captain on a case by case basis.