For some reason the agent makes contact with the debtor in order to get the vehicle, it could have been keys, it could have been called in as a voluntary repossession as many times this happens and the debtor has second thoughts after setting the thing up. Sometimes the bank will assume it is voluntary in order to save a few bucks on the repo, banks pay about half for a voluntary than an involuntary. The agent knocked at the door at 3:45 in the morning to ask for keys and allow the debtor to get his possessions, what is wrong with these agents? I would never knock at a door at 3am. Just take the car even if you drag it out and worry about the keys another time or just have new keys made. I never understood the concept of these guys insisting on keys. Perhaps it was that non of my repossessions were even close to voluntary. [Read more…] about Florida Man Awarded Over a Quarter Million for Problematic Vehicle Repossession
During the time of repossessions many typically happening in the middle of the night. The neighbors see a strange car snooping around the neighborhood, or even someone walking around by foot to verify a VIN on the dash. The police end up getting a call and show up. Some states such as New York, the police must be called ahead of time to let them know the repo will be in progress, if that is the case upon arrival the police will verify the tag number.
If the repossession is happening in Florida and the police come, as long as there is no issues the repo remains a civil matter and they typically stay nearby until the repo is finished. Not always, sometimes they just take off and let the repoman complete the job on his own. It is actually against the law for the police to assist the repossession agent in any way although very few people besides licensed repossession agents know this.
Many times a debtor will call the police in an effort to get them to come and stop the car from being taken. This can become successful if the debtor begins to raise a stink and says the repoman is trespassing or breaching the peace at which point the police can tell you not to take the car, but this is very rare. The police might ask to see the paperwork and if they do look at the actual repo order, they will allow the repossession to continue flowing. [Read more…] about Can Police Stop a Repossession in Progress
The subject of is it ok to use a badge while doing repossessions comes up often and is a viable question. In fact my personal opinion on the situation is that it should absolutely be permitted as it can clearly save lives and stop unnecessary violence while performing repossessions. I am not saying this as to use it abusively and flash it while seeming to be a cop or something. I am saying it would be better to have a repossession badge that you can wear around your neck that clearly identifies you as a licensed individual.
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I cannot even count how many times people came out and saw me there and asked who the hell I was. Despite the car being being up for repo, there is still typically no uniform, no badge, no guns, no weapons, usually alone and if not in a truck, the car is typically your own unmarked type car. In this case many people go nuts and act first before asking anything. Sometimes people will come running outside with a knife or a gun or just irate chasing you off the property. I feel that with a visible badge this still will happen but it will certainly be less often.
In places like Florida it is illegal for repossession agents to carry badges, use police for assistance or basically anything you can think of against the repossession agent. It is regulation upon regulation in any licensed industry in Florida, aside from Home Owners Associations which seem to be able to get away with anything they want and no one can stop them.
Most of the repo men that I knew or know are also private investigators. In the case that you are a licensed private investigator you can carry a private investigation badge with you, although it is also discouraged according to the handbook. Always call and check with the state to make sure, they may have added a new regulation disallowing that as well.
There are many things that can be changed to make the lives of the repomen better but there are also many things that are good for the industry like keeping it difficult to get a license.
I mean if T Mobile can legally repossess cell phones that are unsecured collateral which is pure insanity in my opinion, why can’t a repoman get a badge? If it is now illegal to get a cell phone unlocked can’t a repoman just get a badge? We just don’t have the powerful lobbyists that are able to change laws, obstruct freedom and continue on with this corrupt nation.
I am a huge dog fan, I own dogs and have owned dogs all my life. In fact my latest dog has traveled most of South America with me and is a guard dog. Any decent person that has owned dogs before will know the amount of loyalty is beyond that of any human they have met. A guard dog has one job to do and it is to protect you and your family under any circumstances. A human would be more reluctant when knowing what the possible outcome might be. Just think about, when having fights growing up if you ever did. I grew up in NY and there were plenty of fights growing up in certain neighborhoods. Sometimes a close friend would immediately jump in, even if the fight was brutal, other times certain so called friends would sit back while scared to death of the outcome.
Humans can learn a great deal from dogs. Dogs are the only loyalty we have left as a society and humans are falling behind quickly.
Dogs and repossession situations
In the case of repossession you will find that there are beyond many stupid people and heartless scumbags. People that will use force by way of dogs in all different circumstances. Some will chain the dog to the car, some will sick the dog on the repoman. I have had many situations with dogs.
I had one guy I knocked on the door to question holding his foaming at the mouth pitbull by one finger as the dog wanted to attack me. I told him to put the dog away, that I wouldn’t want something to happen to the dog. he yelled what do you want? I said I need to ask you a few questions and identified myself, he then put the dog away.
Pitbulls are great dogs but one thing they are not, Contrary to popular belief are guard dogs. Pitbulls are very affectionate, loving dogs that happen to be very strong. When you have idiots that own these dogs, they turn them into not guard dogs since they are not, but into killer dogs. The dogs become fighters against humans due to the extreme abuse of these thugs. What we ned up with is a loving breed that had unfortunate luck, getting stuck with a thug that can’t raise even a goldfish correctly.
I remember so many dog cases but I will list a few here. One time we were picking up a van in a large un-fenced back yard in the country. The van was back there, there was a dog and it was sleeping. We had to walk back quietly to the van without waking the dog. As soon as we opened the van door, the dog wakes up, talk about adrenaline. We get into the van and we are gone.
Lots of times you have to get inside of a fenced area, unlocked but fenced. Many have dogs and the best thing to do is learn to feed them. Bring roast beef or peanut butter which may work. With y dog being a true guard dog, he will not even consider eating anything with a stranger while he is working. So keep in mind this will probably not work with any guard breeds. You may have to go to the fence once a night and leave food each night, just drop off some roast beef and leave until you finally feel comfortable with the dog.
Police raids with dogs
Every time I watch a police raid, it is so unfortunate that the first thing shot is the dog usually. The videos I have watched as of lately show the police not even thinking twice but taking an immediate shot at the dog. What sucks is in many of these raids the dogs are not even violent.
Choosing a career in repossession should not be decided easily. Prior to choosing this career while rewarding can be equally as dangerous. In fact in many instances a repossession career is more dangerous then a police career only because of ridiculous regulations stopping repomen from being able to protect themselves.
Some areas repossession can more dangerous then other areas but as jobs continue to be lost or pay continually getting lower people also tend to get more hostile in general. Have you ever noticed the spikes in violent crime during the holidays? Have you noticed the increases in violent crimes as of the recent years? I certainly have and there is no denying that repomen can be in the middle of real violent situation real quick due to the increased hostility. This doesn’t mean it was any easier in the past at all, it just means that in general people have been becoming more hostile due to the increase in job loss and nonsense going on in the current times.
A bulletproof vest should be mandatory for all of those choosing or working in repossessions.
Just this week alone I saw several violent news listings involved in repo.
AVON LAKE — A homeowner fired a gun into the ground as two repo men were attempting to tow a car at his home on Beachdale Drive, police said. The 48-year-old man came outside with a revolver and told the men to get off his property.
“It looked like there were some verbal threats that were made towards the persons looking to repossess the vehicle,” Sgt. Vince Molnar said.
“Obviously, he was angry or upset the repossession was occurring,” Molnar said. “The situation was kind of fast-paced and dynamic.”
Another one is North Carolina where the debtor tried to run over the repoman at the auto auction after following him there.
It wasn’t a gun shot, but getting run over and running from a crazed debtor isn’t fun.