[moehoward]

"The police are prohibited in participating in a repo action. She almost crossed the line into criminal actions, but mainly this was a civil matter, so the cops must stand aside."

Correct. Until a point. All she had to do is lock the doors and stay in the car. That tow truck guy would eventually had to unhook it.

[Responsibility2nd]

A successful repo is one where the owner is unaware of the recovery until after the fact.

I had agents who used to get the car “on the hook” and then door knock - ask for keys. I quit using them.

In fact - if I were the lender - I would be looking to the repo agency for the damages done to this vehicle after it was in their possession. It was on the hook, why didn’t the driver leave?

Basic fundamentals for repoing a car: Hook and leave. Drive 2 blocks away then hook up up chains and lights. The more time you spend on site - the riskier it becomes.