You either get a couple floor jacks if you don’t care and just want it out, or you get a jack and 4 dollies and you’re good. Works for getting into or out of right parellel parking spaces too, just make sure you’re jacking and moving your car and not your obnoxious neighbors because depending on where you live it is a crime in many places to move a persons car without consent, and in the US it can be tried as a felony in some places under the right circumstances!
Repossession laws vary by state. However most states allow a creditor or their representative access to your property in order to reclaim an asset, so a closed garage is not enough in many states as entry to a closed but unlocked space is usually “trespassing” which the repo company is allowed access to your property and thus it is not trespassing in their case as they have a legal reason and your agreement in the credit contract that you would allow them access to repossession. A locked garage is a different story. Some states allow entry if no damage is caused, most do not. In those cases though you need a separate criminal case and it is somewhat a waste as the action doesn’t entitle you to compensation (unless they damaged something) or the asset back, it just places criminal charges on the repo person. However- since they are criminal charges you must be able to PROVE they broke in. Not simply “I totally locked my garage..” but some proof that it was locked and no other access...
... like an unlocked window was available. Hard enough unless you maybe have an alarm- but even then you still must prove the repo person was the one who entered beyond any reasonable doubt, and it is still not burglary or a felony most places because that requires criminal intent to deprive you of your property or commit vandalism. So if proven it usually would be reduced to a lesser crime. However, many states make it a crime to obscure or hide an asset from a creditor when you are in default, so by locking it away you may also commit a crime. In here cases pursuing charges is made riskier not just for the odds of winning (which you get nothing tangible for,) but because to do so may provide evidence to use against you to press charges. Many people who have repossession occur are simply not in a position where they could pursue a legal case anyway as that requires time and resources they may not have, and will not be compensated for. And remember- that’s IF you can prove the repo...
... agent broke the law. Usually without home surveillance or other physical evidence it comes down to you saying they broke in, and then saying they didn’t. In many cases a creditor can get a Replevin. That’s a legal order from a court to surrender property. If you have failed to surrender the property and instead hidden it and locked it up to keep it safe, when you report the crime of the repo person you will indict yourself for a more serious crime. So repo agents may play a little fast and loose with the rules in the interest of retrieving property since they are reasonably safe to do so in most cases. Some repo agents don’t go as far though and only see it as a job. If they can’t get it easily, they let the courts sort it out. It depends on the type of repo, the individual, the organization and the employer/pay plan. In the last few decades the business has also “cleaned up” quite a bit, but some old school rules players are still at it. They tend to have great stories.
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