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  1. #1
    Join Date
    Jun 2015
    Posts
    2

    Default Can a Repo Man Visit Your House at Midnight

    My question involves an auto loan or repossession in the State of: ohio. The bank had a mix up that we are currently trying talause of the mix up it sent our cars into repo mode. Well tonight at midnight a cery very loud truck came down my road, parked caddy corner in the street, revved his engine, then came and beat on my door for 10 mins. We did not answer the door. He finally went back to the truck, mind you it was not a tow truck or big, and started taking photos of my house and shining lights in window s. He finally left and while leaving he revved his engine again. Could this of been a repo man? If so, did he break the law? Or should I worry these could have been theives.
    NOTES. 1. The truck was a single cab older Silverado 1500. There was nothing he could have towed away our cars with this.
    2. There were three men in truck.
    3. Earlier today I found a salesman snooping around my house and was doing everything to get inside and trying to make small talk with my daughter

  2. #2
    Join Date
    Sep 2010
    Posts
    19,901

    Default Re: Repo Man at Midnight

    Quite possible. They may have been scouting the location of the secured property or they may actually have been the tow vehicle. There are a repo rigs that mount relatively low profile in the bed of a pickup. Not for long distance hauling, but good enough to grab a car and move it to a place where possession can be completed.

    No the repo man is not breaking the law. As long as the repo man doesn't physically threaten you or break into some locked area to get the car, he's within the law. Of course, hiding your car from lawful repossession isn't legal either.

  3. #3
    Join Date
    Oct 2014
    Posts
    8,238

    Default Re: Repo Man at Midnight

    Ohio law, like the law of many states, covers repossession in its version of the Uniform Commercial Code (UCC). Specifically, it is provided for in Ohio Revised Code (ORC) section 1309.609, which provides that repossession may be done either either by judicial process (i.e. through the courts) or the creditor may repossess the property without judicial process so long as it can be done without a breach of the peace. The statute does not place any limitation on the time of day that reposession may take place.

    Simply storing the car in your garage at your home, etc., is not illegal and the creditor cannot break into your garage to take the car. If the creditor cannot reach the car without a breach of the breach it must resort to judicial process to force to you to turn over the car.

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