AzLeo

Glendale, AZ

#125 Jan 26, 2009
The issue isn't with the repo man doing his job, it's how the repo man does his job. The reason police can't enter your property without a search warrant is the 4th Amendment(there are exceptions), which protects us from unreasonable search and seizure. The catch is, it only applies to governmental entities (including those who do not work for the government, but act on their behalf). As for repo men, they are private citizens acting on behalf of private business. In Arizona, they cannot repo a vehicle that disturbs the peace. Most of what the guys on Operation Repo do would land them in jail. Repo guys cannot trespass after being lawfully ordered to leave by the property owner or agent, even if the vehicle is hitched, they would have to release it. They can not enter any part of your residential structure, that would be a burglary and is a felony. They cannot damage any property to get to the vehicle, that would constitute criminal damage. If the police were called by the repo man, they would treat it as a civil matter and the repo man get nothing if it was being removed from private property.
brock repo

Kings Mountain, NC

#126 Jan 29, 2009
I think its crazy for people to sit here and say that its okay to hide a car buy a car you can afford if you cant pay cash for it dont buy it and as far as the people who feel like killing a repo guy is cool thats fine but just know my guys will shoot first and answer questions later our thing is its eaiser to come home out the courthouse that a box so be prepaired that down payment you put down on that new car buy one cash and i want be in your yard
notsolucky

United States

#127 Feb 21, 2009
My husband cannot make the payments on his car due to unforeseen financial problems. He has contacted wells fargo and they said they would not come and get his car!! He is trying to voluntarily surrender but they said no!! What should he do?
Pamela

AOL

#128 Feb 22, 2009
brock repo wrote:
I think its crazy for people to sit here and say that its okay to hide a car buy a car you can afford if you cant pay cash for it dont buy it and as far as the people who feel like killing a repo guy is cool thats fine but just know my guys will shoot first and answer questions later our thing is its eaiser to come home out the courthouse that a box so be prepaired that down payment you put down on that new car buy one cash and i want be in your yard
Oh for the love of god...use your spell check! It's exhausting trying to read your post.
jaxon

United States

#129 Feb 25, 2009
sounds like you should have read the loan papers...people who get screwed usually are prey for smarter financial minds. ans 'single mom' doesn't make you a hero...it just means your sexual responsibility is about as good as your financial responsibility..dunce..thanks for bringing more idiots to the world via the vag.
Pamela

AOL

#130 Feb 25, 2009
jaxon wrote:
sounds like you should have read the loan papers...people who get screwed usually are prey for smarter financial minds. ans 'single mom' doesn't make you a hero...it just means your sexual responsibility is about as good as your financial responsibility..dunce..thanks for bringing more idiots to the world via the vag.
Aside from the fact that your an idiot, your also a woman hater, you belong on another thread perhaps? Clearly you don't WANT to understand people's situations, every situation is different...and by the way, you were brought into this world "via the vag" yourself, so what are you trying to say about you? That your an idiot too, that's why I called you one in the begining of my post because you said it first! lmao
Repomansucks

Portland, OR

#131 Feb 26, 2009
Jonny wrote:
I agree it's not the repo man's (or woman's) fault, but what if you were paying your bills and Wells Fargo can't get their act together to fix a problem they caused? Then they tell you that you are behind even though you have been making a payment every month. Is it really my fault that they gave half of the money to an over paid insurance company (Balboa) because they (Wells Fargo) couldn't figure out what to do when a reputable insurance companies policy renewed at the end of a previous coverage cycle. No matter how much proof we provided or how many people at Wells Fargo customer service agreed with us, the "computer" still couldn't be changed to stop Balboa from collecting money that was already proven didn't go to them. Oh well, what can you do with a substandard cut-throat business?
The 'Repo''Man'(and I use the word man with amusement) would be in your house stealing your TV if he did not have the law to hide behind.
They are crooks to the bone,they just found a way to do it legally.
Shoot one someday.
They look funny flopping around crying.
Scumbags.
Shawn

Palm Coast, FL

#132 Feb 26, 2009
Repomansucks wrote:
<quoted text>
The 'Repo''Man'(and I use the word man with amusement) would be in your house stealing your TV if he did not have the law to hide behind.
They are crooks to the bone,they just found a way to do it legally.
Shoot one someday.
They look funny flopping around crying.
Scumbags.
It seems to me that you are new to the world of adult financial matters my friend. You see it is you who are stealing, it is you who are the crook because the car you think you "own" belongs to the bank just like "your" house belongs to the bank and when you don't repay money that was paid on your worthless behalf people like myself who unlike you has a pair of testicles is charged with the task of recovering said collateral from impotent morons like you. The people who are adults that just ran into bad times don't act like you because they are decent members of society who take responsibility for their lot in life.Every person I have ever met who spouts off like you has turned out to be a scared little boy who will crap his pants when a real man challenges him. Maybe one day you will run into someone who carries 2 Sig Sauer P226's in a double shoulder harness and a Kel-Tec 3 on his ankle and has military as well as SWAT training will call your chicken sh*t bluff and leave you lying in a slowly congealing pool of your own syphilis infected blood.
AzLeo

Glendale, AZ

#133 Mar 2, 2009
There's a couple issues here:

1) When a person owes a lender money for a purchased car, the money borrowed is secured by the car. That's why the lender repo's the car when the borrower defaults on their payments. This all relates to civil law, which is different from criminal law. In Arizona, police won't get involved other then to protect the peace from criminal activity (i.e. trespassing on private property). It is not theft to hide a vehicle from being repossessed, however, there are other laws that make doing so a criminal offense.

2) Repo men can typically remove the vehicle from a private drive way if it's done peacefully. As soon as the homeowner objects, the repo agent is trespassing and can be arrested if they fail to leave the property. They cannot enter locked gates, garages or any residential structure.

This is not necessarily the case in public parking areas (malls, you place of business, etc), although police will generally side with the registered car owner; leaving the repo man empty handed and the lender having to seek court action to recover their loss.

As for protecting property with deadly force, most states would not allow you to shoot someone for stealing your car. It's a property crime, which isn't worth anyone getting killed over.

You need to justify using deadly force with a reasonable fear that your life, or anothers, was in danger of serious injury or death. An example would be someone breaking into your house (no question on their intent), or threatening you with a weapon or dangerous instrument (bat, crowbar, etc).

However, when judged by a jury, who will get more sympathy? The poor homeowner who felt threatened by the guy stealing his property; or the bad repo man who shot the poor homeowner struggling to make a living in difficult financial times?

Those of you, like "Shawn", should keep this in mind, just in case you run into one of us who really know what we're doing; especially when it comes to the law, firearms and self defense.
Shawn

Palm Coast, FL

#134 Mar 4, 2009
AzLeo wrote:
There's a couple issues here:
1) When a person owes a lender money for a purchased car, the money borrowed is secured by the car. That's why the lender repo's the car when the borrower defaults on their payments. This all relates to civil law, which is different from criminal law. In Arizona, police won't get involved other then to protect the peace from criminal activity (i.e. trespassing on private property). It is not theft to hide a vehicle from being repossessed, however, there are other laws that make doing so a criminal offense.
2) Repo men can typically remove the vehicle from a private drive way if it's done peacefully. As soon as the homeowner objects, the repo agent is trespassing and can be arrested if they fail to leave the property. They cannot enter locked gates, garages or any residential structure.
This is not necessarily the case in public parking areas (malls, you place of business, etc), although police will generally side with the registered car owner; leaving the repo man empty handed and the lender having to seek court action to recover their loss.
As for protecting property with deadly force, most states would not allow you to shoot someone for stealing your car. It's a property crime, which isn't worth anyone getting killed over.
You need to justify using deadly force with a reasonable fear that your life, or anothers, was in danger of serious injury or death. An example would be someone breaking into your house (no question on their intent), or threatening you with a weapon or dangerous instrument (bat, crowbar, etc).
However, when judged by a jury, who will get more sympathy? The poor homeowner who felt threatened by the guy stealing his property; or the bad repo man who shot the poor homeowner struggling to make a living in difficult financial times?
Those of you, like "Shawn", should keep this in mind, just in case you run into one of us who really know what we're doing; especially when it comes to the law, firearms and self defense.
By "one of us" do you mean Recovery Agent or cop? I own a recovery agency so if you thought I was speaking in anyway against anyone other than the toothless, brainless, gutless moron who wrote about shooting someone over a car then you have misunderstood me. I know the law in my state very well and I follow it, I was simply communicating with this sub-human cockroach who calls himself "Repomansucks" in the only way he knows how; violent words and actions. Moreover, I don't carry a gun with me on my person while performing a repossession on private property because that would be illegal but if a debtor has the ability and intent to end my life then I will take any and all steps to stop him up to and including deadly force. It's better to stand in front of the judge than lay in front of the coroner.

I would appreciate it if you would actually read what it is I was responding to as well as my response because it might change what you thought I was saying and if you are taking the side of those who advocate killing repo men then may you die of gonorrhea and rot in hell. Thank you for your time.
Cindy

Vancouver, WA

#135 Mar 9, 2009
How does one get into the repo business? My husband has been a tow driver for years, mainly heavy towing now, and would like to start his own business. Our you contracted with a bank?
David in CO

Aurora, CO

#136 Mar 10, 2009
I have been a recovery agent for better that 25 years and never once have I initiated a recovery request.
Shawn

Palm Coast, FL

#142 Mar 12, 2009
MikeyLikey wrote:
Personally, I prefer to snipe repo guys with an AR-15. Go on, hop on out the truck, start walking towards the sidewalk. Soon as you cross the sidewalk, I take a deep breath, hold it, and pull the trigger. Repo guy lands in a pool of his own AIDS infested blood, and one more piece of shit is removed from the planet. After it's over, I grab a crowbar out of the house, plant it in his hand, and claim self defense, case closed. Next repo guy, your up.
This has not happened yet, but, as more and more people are starting to suffer out there, this will happen. I look for ward to reading and watching those stories. Could not happen to a nicer bunch of guys. Someone once said, "Life is for giving, not for taking" which one are you?
Crowbar versus AR doesn't really constitute equal force. Keep claiming self defense as your getting anally raped by a steady stream of large sweaty men. It sure is nice that scared little boys have a place like this to act tough and talk about murder because I'll bet money that you have never even aimed a gun at another human. When sh*t gets real you'll run and hide like the chat room tough guy we all know you are. By the way, I am a giver, I give my family a good life by putting little turds like you in their place. Besides even if you did manage to shoot me it wouldn't change the fact that you are an oxygen thief who would rather waste away in prison than accept responsibility for your financial obligations. I drive a '08 BMW thanks to weaklings like you.
Shawn

Palm Coast, FL

#143 Mar 12, 2009
Kelly wrote:
<quoted text>
Shawn, there is no need to have a dirty mouth in this discussion. I am offended by your second to last statement. This doesn't show a very good character on your part. There are ladies on here so please refrain from the nasty comments. Thank you.
I do apologize if I have offended you Kelly. I tend to get angry when little phony tough guys advocate murdering someone for doing their job even if it is a job that makes people unhappy. You see, without the ability of banks to repossess cars there would be no such thing as a car loan. I do my job in a respectful, courteous manner that is well within the confines of the law. 90% of the people I deal with understand and take responsibility for their situation but the small percentage of people who are societal leeches make it hard on everybody. If my harsh words offended you I am truly sorry, but I have found over the years that people like "MikeyLikey" only understand one thing; blinding violence. Seems its all their underdeveloped brains can comprehend.
Shawn

Palm Coast, FL

#145 Mar 16, 2009
MikeyLikey wrote:
Shawn, don't get all ballsy with me. I would snap you in half like yesterdays bitch. That was SCENARIO, not reality. All I was saying is this, when you work in an industry that wreaks havoc on peoples lives, sometimes of their own doing, but these days, mostly due to the economy, that car is all they have to get to work, get groceries, get to the hospital if the kids get sick, and you yank it out from under them, in the middle of the night, like a thief. How are people supposed to react? I'll tell you, soon, very soon, they are going to start shooting you guys, left and right. So hang in there champ, your the man, great you drive a BMW from all the misery you cause, good for you, and I bet you sleep well at night, too. Oh wait, you don't sleep at night, you fuck with peoples lives and destroy them, thats right, then you come on here and brag about a POS beemer. Your a hell of a guy, really, I'm serious here, no sarcasm from me.
BTW, I own a yukon, my wife drives a 550, and I have a 125,000 boat in the garage, and I did it all by NOT fucking anyone over. See?? It can be done, you just have to be smart enough to know how to do it. Otherwise, you become a dumb fucking repo man, kinda like you did it, right??
FUCKING DUMBAZZ........
If you can fit a $125,000 boat in your garage then you must have gotten screwed because I would think that a boat that cost that much would be to large to fit in a garage. 70-80% of the people that I meet in the course of my job understand that I am doing my job and nothing more. I am respectful, courteous and quite frankly very pleasant with them, I always knock on the door and allow them to get their personal belongings and by the time it's all said and done they shake my hand we part ways on good terms. The rest are little turds like you who talk big and then run from their responsibilities all the while blaming the repo man for their lot in life. You sir are a fraud. You think it makes you tough to talk about a matter that I take very seriously; murder. It's quite obvious that you have never had to use deadly force to protect yourself because of the way you talk so tongue and cheek about killing someone. In life their are people who keep their mouths shut and take care of business and there are people like you who talk big because they think they will never have to back it up. Your time will come little boy. BTW if your ever in FL look me up my address is 103 S Lakewood Circle, Maitland Fl 32751. Stop by and say hi. I'll even make you dinner before I give you your chance to be a man.
Shawn

Palm Coast, FL

#146 Mar 16, 2009
Also, having a car is not a right it's a luxury. An ambulance can take sick kids to the hospital, a bus or taxi can take you everywhere else. Welcome to the adult world of financial hardships and personal responsibilities. I have had a car repoed before and when I realized that I couldn't pay for it I called the bank and turned it in. I swallowed my pride and utilized public transportation. I have also gotten a DUI when I was younger and I didn't blame the cop who was doing his job for my screw up even though he was not very nice about it.
Shawn

Palm Coast, FL

#148 Mar 20, 2009
MikeyLikey wrote:
Sorry dumbazz, but after reading all that bullshit, I can safely say your not even in my league dude, your a true dropout fucking loser, congrats. Obviously, you don't know anything about boats, which is fine, you don't know much about anything, do you? And here is the best part, you come on here, talking about me being a loser, not paying my bills, and having my cars repoed, and none of that has happened over here, and then you tell me you got repoed and got a DUI?? Dude, your a fucking winner and a half, I gotta tell ya. You should be proud. BUT, and you can file this under the gift that keeps on giving, you for some reason gave me your address, which I have written down here in the house. And I gotta tell ya, i'm gonna have the gay porn coming to your house here soon, I'm signing you up for all of it bro....you deserve the very best....enjoy!!! Fucking Dumbazz.........
Doesn't surprise me that you have a very large collection of gay porn but what does surprise me is that you are willing to part with any of it.
Seriously though, lets stop this ugly exchange and be friends, you obviously are of a much higher caliber than myself. When you said you would snap me in half I had to get up and go change my underwear. I'm willing to admit when I've met my match, I mean anyone with the wit and wisdom to spell dumbass with a z instead of an s obviously has the mental capabilities of someone who is at least 6 or 7 maybe even 8 years old. With that I will refrain from posting further comments as I don't have the brain capacity to keep up with your highly evolved mind. You get the last comment since you are apparently a wordsmith the likes of which only comes around every century or so. I have been truly humbled and I hope we never meet because anyone with a intellect like yours must have an amazing physical stature and I wouldn't want you to beat me like you probably beat your wife; excuse me, husband. Oops, I made another mistake, since you live in Cali you and your partner can't get married. How disappointed you must be. You have my condolences, keep fighting for your rights.

P.S. I spend probably more time than I should on here, but damn, you manage to find time to take it beyond a chat forum and actually get the U.S. Mail involved. Man your so right I am a loser with no life, unlike you. I'm going to go kill myself now since you have shaken the very foundations of everything I believe in.
Roady

Portland, OR

#149 Mar 20, 2009
Shawn wrote:
<quoted text>
Doesn't surprise me that you have a very large collection of gay porn but what does surprise me is that you are willing to part with any of it.
Seriously though, lets stop this ugly exchange and be friends, you obviously are of a much higher caliber than myself. When you said you would snap me in half I had to get up and go change my underwear. I'm willing to admit when I've met my match, I mean anyone with the wit and wisdom to spell dumbass with a z instead of an s obviously has the mental capabilities of someone who is at least 6 or 7 maybe even 8 years old. With that I will refrain from posting further comments as I don't have the brain capacity to keep up with your highly evolved mind. You get the last comment since you are apparently a wordsmith the likes of which only comes around every century or so. I have been truly humbled and I hope we never meet because anyone with a intellect like yours must have an amazing physical stature and I wouldn't want you to beat me like you probably beat your wife; excuse me, husband. Oops, I made another mistake, since you live in Cali you and your partner can't get married. How disappointed you must be. You have my condolences, keep fighting for your rights.
P.S. I spend probably more time than I should on here, but damn, you manage to find time to take it beyond a chat forum and actually get the U.S. Mail involved. Man your so right I am a loser with no life, unlike you. I'm going to go kill myself now since you have shaken the very foundations of everything I believe in.
LMAO hahaha
Shawn

Palm Coast, FL

#151 Mar 25, 2009
Ok Mikey Likey I couldn't care less if you think I'm a scumbag, 90% of the people I've repoed from would say that I totally changed their perception of what repo men are like. I take great pride in being extremely courteous and respectful about my job which I realize is very intrusive. The only time I take joy in repoing someones car is when they threaten me. I have a clear conscious and if you think I am a scumbag for making money off the hardships of others than by your same logic cops, EMTs, firefighters, and lawyers are scumbags too. Well, maybe lawyers is a bad example but the problem is no one ever sees things from the banks perspective. When people don't pay for their cars the banks lose money and people who work for the banks lose their jobs, so you think we should just let people keep cars they aren't paying for because it might inconvenience them? If that was the case and finance companies had no recourse then there would be no such thing as a car loan. Also, before you say the problem is how repo men do their jobs answer me this; how many times have you ridden along with one of us? I'll bet never, the only thing you know about it is what you see on those bullshit staged tv shows. I don't proclaim to know about what you do for a living so be an adult and realize that you have no real experience in the matter to draw from. I value your opinion of me about as much as a piece of used toilet paper but I will be damned if I will sit here and listen to you say that I voted for Obama. Yeah, I can't wait until guns have been banned and I can't protect myself. I would think that you would be an Obama fan since you don't think people shouldn't be held responsible for their actions. As far as the police go I am a former Orange County deputy sheriff of 7 years and most of the cops I worked with paid very little mind to repo men so don't tell me my business you uneducated, inexperienced little turd. Oh and seriously dude the whole dumbazz with a z thing was cool in maybe 3rd or 4th grade. Please come up with something better so that I don't feel like I am wasting my time with a complete moron.
Shawn

Palm Coast, FL

#153 Mar 26, 2009
I never said I didn't feel bad for the good people who have fallen on hard times because I do. You see the thing is with people like that we don't have to hunt them down they call us and do the right thing and turn the vehicle in. Yeah sure it sucks that the banks take their cars back but if the banks didn't or couldn't take their cars back there would be no such thing as a car loan because the banks would not be able to give good faith loans because there would be far too much risk. The only people who would be able to buy a car would be people who have $30-40,000 in cash lying around or people with a 800 beacon score and I don't know about you but I don't personally know that many people like that. The ability of finance companies to recover unpaid collateral is at the very heart of a credit based capitalist economy. Now, I will admit that some banks are more willing to work with people than others and that some repo men do resort to intimidating tactics and underhanded methods but it is a small percentage and they give the rest of us who are professionals a bad name. I would appreciate it if you would try to be objective and realize that those stupid tv shows are exactly that, tv shows. Companies who operate like that don't last. Also,you call me a scumbag yet you advocate murdering someone over a stupid fucking car. If there is one thing I learned from my years as a cop it's that people who talk like that about killing someone usually run and hide when things get real. Oddly enough you would feel deeply ashamed about repoing someones car but when it comes to homicide you are happy to hear about a family losing a loved one who was doing their job. But I'm a scumbag. I hope one day you are put into a life and death situation where you have to make a choice that will haunt you for the rest of your life, and it will, regardless of whether or not it was self defense. So in closing I just want to say this; when the shit hits the fan I'll bet you will run like a bitch.

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