Repo men, or repossession agents in California are bound by specific legal restrictions designed to keep the process orderly and respectful of personal rights. Both borrowers and repo agents need to understand these restrictions.
Limitations of the Law on Repo Men
Breach of Peace: This means the repo must be done without causing a breach of peace. This includes being unable to physically harm or in any way make your life hell by violence, threats and intimidation against you.repossession rights (ad) This can result in legal repercussions for the agent, as well as the agent’s agency15.
No Forcible Entry: Agents may not break into your private property to repossess a vehicle. This includes locked garages or other secured areas to which they were not given permission. They are allowed to enter vehicles parked in a public place without prior notice, but they cannot cross the line of property (24).
Property Damage – A repo agent cannot damage personal property during a repossession. This refers to any actions that may injure the car or one of its possessions. When damages do happen the agent or agency could be on the hook for repairs or replacement costs35.
While Being Repossessed, Things to Do as Well as Rights of Borrowers
The borrower is entitled to know the manner in which the repossession will be carried out as well as what course of actions will be taken by the agent.
The borrower will be able to ask for any personal effects from their car before it get removed (although this is not a guarantee)24.
It ensures that people are not subjected to unreasonable or illegal behavior in the repo of a vehicle in California by making these limitations transparent.
