[NiceGuy]

Hello, I am located in New York and around 1:00 am my bell rang. When I approached the door I saw 2 shady looking individuals dressed in thugish clothes and totally did not expect anyone to ring my bell at that time of night specially these 2 guys. Turns out that they are the repo men. They were looking for my co-signer and being that they did not mention my name I told them that I had no Idea who the person was. To make a long story short, my motorcycle was stolen from my garage in 2005 and unfortunately I had not theft coverege because it was out of season and the motorcycle was stored securely, so I thought.Therefore, I continued to make payments ($8,000.00)with out metioning the theft to the bank, althought police reports were made and so on. I now owe about $3500 and I recentley lost my job and that is why they came. I am totally in the dark when it comes to these situatution. I have a garage which is part of my home and I am worried that these guys will break in to see if the motorcycle is in it.
Can they do that or is that against the law?
Also can I get in trouble by not telling them that it was me they were looking for?
Also would it a good idea or would there be any consequence to tell the bank that the motorcycle was stolen back in 2003?

Please help.!!
Thank you!

[Mr. Knowitall]

Your motorcycle was stolen in 2005. You reported this to the police at the time? Oops - it was stolen in 2003, now? Alright....

They aren't supposed to break and enter to effect repossession. That would be a "breach of the peace". I can imagine, though, that they might claim to have "found the garage open."