https://www.repohelpers.com/five-most-common-illegal-repossession-tactics
Seven Most Common Illegal Repossession Tactics
No matter who starts the threats , if violence becomes a possibility, then the repossession agent must stand down and leave the scene. Continuing in a repossession that has turned violent is a breach of peace that turns a legal repossession into an illegal one.
2. CONSUMER OBJECTIONS Even though creditors and their repossession agents have the right to retake a vehicle if the consumer is past due on their auto loan, they may not start a car repossession the vehicle if the consumer objects. There are no magic words required here. Any words that indicate the consumer's objection are sufficient. And if the consumer does object, the repo man must stop and try again at a different time. If the agent refuses to honor this objection and continues, consumer laws may make them responsible for paying compensation.
Yep! I worked for a repo company many years ago...80s, and they said it is ALWAYS BETTER to repossess when the deadbeat payer is NOT present! If you have ANY altercation; walk away.
They could lose the vehicle in a wrongful action court case, because the deadbeat said you attacked him, you “tricked” his family, you threatened his family, etc...and the judge decides in their favor and gives them the vehicle so that “unscrupulous repo men” do not scare, trick, threaten this poor, innocent family again, just because they refuse to pay their bills!