Under Georgia state law, if you are late on your car payments or have defaulted on your lease or finance contract for your car, the creditor has the right to repossess the car, sell it and then possibly sue you for the rest of the debt. So, the repo agent cant use, or threaten to use, force or violence. Title State: Yes, all motor vehicles, mobile homes and boats are if they were manufactured after 1985. Before sharing sensitive or personal information, make sure youre on an official state website. 9-506. Not boats or mobile homes, Security Interest: Shown on title held by lienholder. Items Required for Liquidation: Title must be reduced to lienholders name. the removal and storage of vehicles removed by towing and storage firms found to be It will only delay repossession, and would likely result in the filing of a Complaint for Personal Property Foreclosure and a court order to present . RISC has solved the industry standardization problem. The laws clearly state that anyone needing to report unclaimed property to the state of Georgia must follow certain steps before filing the report. Security Interest: Shown on title held by lienholder. bidding on it at the repossession sale Some states have laws that let you "reinstate" your loan by paying the past-due amount plus your lender's repossession expenses. ), Notice of Intent: Reasonable notice of the time and place of the sale is generally required to be given to other secured creditors and the debtor. 12A:9-506. 336.9-504(3).). (11 M.R.S.A. (d)(1)In addition to the regulatory jurisdiction of the department, the governing Here is a little quiz. Illegally seizing cars: Servicers are repossessing vehicles from borrowers who made payments sufficient to stop the repossession or who entered a payment plan. Georgia law requires that the company notify you within 10 days of the repossession that it has your belongings and intends to dispose of them. The information provided on this site is not legal advice, does not constitute a lawyer referral service, and no attorney-client or confidential relationship is or will be formed by use of the site. (a.1) Any person or his or her authorized agent entitled to the possession of any private property shall have the right to remove or cause to be removed from the property any vehicle or trespassing personal property thereon which is not authorized to be at the place where it is found and to store or cause to be stored such vehicle or trespassing Boats and mobile homes are not. As you can see from these few examples, some states, ten in all, have very unique and specific personal property requirements. The California repossession laws allow repossession agents to enter private property to repossess a car or vehicle. You already receive all suggested Justia Opinion Summary Newsletters. or personal property can be recovered, the cost of said recovery, and information Under Georgia law, rent is late the day after it's due. Title State: Yes, all motor vehicles, mobile homes and boats. Repossession Licensing Requirements: None, Redemption Requirements: Any time before the disposition of the collateral, a debtor may have a right to redeem the collateral by tendering full payment of the obligation owed and all reasonable expenses incurred by the creditor. Repo Licensing Requirements: Yes, must be licensed as a debt collector thru the Maine Bureau of Consumer Protection, Redemption Requirements: Any time before the disposition of the collateral, a debtor may have a right to redeem the collateral by tendering full payment of the obligation owed and all reasonable expenses incurred by the creditor. Security Interest: Shown on title held by lienholder. Borders: West Oregon and Washington, North Country of Canada, East Montana and Wyoming. Liquidation Documents: Title, Repossession Affidavit and Copy of Contract. This fee is intended to compensate the company for the reasonable expenses incurred in storing your belongings or in notifying you of the companys intent to dispose of these items. This field is for validation purposes and should be left unchanged. Country of Canada (North) Can I go to jail for hiding my car from repo man? The notice must give you 21 days from when it was sent to catch up on your payments to avoid repossession. Security Interests: Shown on title held by lienholder. ), Notice of Intent: Reasonable notice of the time and place of the sale is generally required to be given to other secured creditors and the debtor. Failure to comply with this requirement may render the secured party liable for damages, as a principal, even if the relationship between the secured party and the repossessor is that of an independent contractor. Title State: Yes, all motor vehicles, mobile homes and boats over twelve feet. (KRS 355.9-504(3).). We make no warranties or guarantees about the accuracy, completeness, or adequacy of the information contained on this site or the information linked to on the state site. Borders: West Missouri, North Illinois, Indiana and Ohio, East West Virginia and Virginia. Copyright 2023, Thomson Reuters. Whether you occupy your home or rent it out, certain laws, rights, and responsibilities apply to Georgia property owners. If the repo man cant find the car, he cant repossess it. Will accept repossession affidavit from other states. Given the high level of harm caused by wrongful repossessions, servicers must ensure that every single repossession is valid. (Indiana Code 26-1-9.1. Magistrate court, also called small claims court, is an informal court and in Georgia it can handle money claims up to $15,000. Security Interests: Shown on title held by lienholder. property. When I went to pick it up, I discovered that my car and my car keys had been given to someone else. Welcome to FindLaw's Cases & Codes, a free source of state and federal court opinions, state laws, and the United States Code. Cumming, GA. Posted: February 19, 2023. Social Security Prefix: Eventually the creditor will file papers in court to force you to turn over the car, and violating a court order to turn the vehicle over will result in accusations of theft. 9-506.). If the repo agent breaks into your garage to take the truck, that is breaching the peace. There are three distinct steps for filing an abandoned property report: Once the report is filed, the state assumes the responsibility for the unclaimed personal property and will keep it on file in a database for owners and heirs of the property to find it. Title State: Yes, all motor vehicles and boats valued over $3,000 when new. DMV: http://transportation.ky.gov/motor-vehicle-licensing/Pages/default.aspx, Redemption Requirements: Any time before the disposition of the collateral, a debtor may have a right to redeem the collateral by tendering full payment of the obligation owed and all reasonable expenses incurred by the creditor. (810 ILCS 5/9-504(3).). To verify status of Assignee, go to Kansas state website, www.kcc.state.ks.us/trans/mcsearch.cgi. Security Interests: | https://codes.findlaw.com/ga/title-44-property/ga-code-sect-44-1-13/. Allowed per the UCC without a breach of the peace. The maximum reasonable costs of removal, relocation, and storage pursuant to the You can use this as the mark to gauge abandonment according to the property abandonment laws in Georgia. Border States: The debtor has a right to redeem the collateral by tendering full payment of the obligation owed and all reasonable expenses incurred by the creditor. 9A-9-504(3). 9506.). All documents must be completed accurately and devoid of any type of white out or line out corrections. Tennessee, North Carolina (South). Social Security Prefix: 223-231 and 691-699, Border States: ), Notice of Intent: Reasonable notice of the time and place of the sale is generally required to be given to other secured creditors and the debtor. Notice of Intent: Reasonable notice of the time and place of the sale is generally required to be given to other secured creditors and the debtor. The Uniform Commercial Code supersedes all other provisions here. 654-658, Border States: Georgia (West and South), North Carolina (North). ), Notice of Intent: Reasonable notice of the time and place of the sale is generally required to be given to other secured creditors and the debtor. Redemption Requirements: Any time before the disposition of the collateral, a debtor may have a right to redeem the collateral by tendering full payment of the obligation owed and all reasonable expenses incurred by the creditor. Repo Licensing Requirements: None, Please be advised that the Transportation Division of the Kansas Corporation Commission (Transportation Division and Commission respectively) is authorized by statute to take administrative action against entities that knowingly utilize for-hire motor carriers that do not have proper operating authority granted by the Commission. Current as of April 14, 2021 | Updated by FindLaw Staff. Repos Allowed: Peaceful repossession permitted however, in a consumer credit transaction, the Iowa Consumer Credit Code Section 537.5110 requires that no attempt to enforce the obligation may be made until twenty (20) days after a written notice of right to cure default is given to the consumer debtor. These agents refused to return consumers' personal property until the consumers paid the fee." (D.C. (46-9-504(3).). The owner of private property, or his or her authorized agent,has the right to have your motor vehicle removed from that property if you parkedtherewithout authorization and a notice was posted informing you that it may be removed atyour expense. Its collateral protect the creditor. What About the Personal Property in My Car? Print these laws out, review them, ensure that your agencies understand them. FindLaw Codes may not reflect the most recent version of the law in your jurisdiction. With exception to transactions involving consumer goods, notice to any holder of a subordinate lien is also required. (U.C.C. Redemption Requirements: Any time before the disposition of the collateral, a debtor may have a right to redeem the collateral by tendering full payment of the obligation owed and all reasonable expenses incurred by the creditor. Liquidation Documents: Application (CO-56), Writ of Execution stamped True Copy signed by the Clerk of Court, copy of posted notice of sale and original title. Dear Consumer Ed:Can a mechanic make repairs to your vehicle that were not discussed and agreed to ahead of time and charge you for them? Personal Property in the Vehicle Your lender can't keep or sell personal property found inside your repossessed vehicle. ), Notice of Intent: Reasonable notice of the time and place of the sale is generally required to be given to other secured creditors and the debtor. in possession of such private property to such towing and storage firm for each individual Although the Georgia Department of Law's Consumer Protection Division is not responsible for enforcing towing laws, we hope this information will help guide you to resources that will assist you in resolving your complaint. Borders: West New Mexico, South Texas, East Arkansas and Missouri, North Kansas and Colorado. 4-9-506. How can I get this corrected? Redemption Requirements: Acceleration of balance. If you have issues with Georgia repossession laws and want to learn more, contact our law firm, Bournakis & Mitchell. The Unclaimed Property Act of Georgia (section 44-12-190 of Georgia code law) ensures the safety of the personal property as well as relieves any holders of the property of any financial burdens from the property. State Population: A GPS component helps the loan officer or repossession team to locate the vehicle. For assistance, please contact an ARA member listed in Wisconsin. as to the form of payment; provided, however, that the owner of residential private Repossession can happen as soon as you default on your loan; meaning you miss one or more payments. Not applicable to any substantial impairment such as lack of insurance, etc. Plates: Most remain with the vehicle. Twitter page for Consumer Ed | Georgia Department of Law Consumer Protection Division, Georgia Department of Law's Consumer Protection Division, Repo company charging to return belongings left in vehicle. This can be confusing as some lenders allow fees to be charged, some do not, and some pay the agency to give personal property back in lieu of collecting fees from the consumer. Can I pay my property taxes online? Security Interest: Shown on title held by the debtor/registered owner. Idaho (East) (Section 400.9-506. In most states, after the lender has given an order to the repo agent to take the vehicle, the repo company is required to inform the local police department of their intent to repossess. Liquidation Documents: Notarized bill of sale, title and repossession affidavit. The difference between the total debt and the sale price is called a "deficiency." For example, say the total debt owed is $300,000, but the home sells for $250,000 at the foreclosure sale. Repos Allowed: Right to cure law is in effect for all MA contracts. Step 2. In a Nutshell The good news is, the repo man cant legally enter a locked gate or garage without your permission. The vehicle may not be sold or transferred during this period. (Section 11-9-504. Your Responsibilities under the FBPA and Lemon Law, How to Respond to a Contact from the Consumer Protection Division, Facebook page for Georgia Consumer Protection Laws & Consumer Complaints, Twitter page for Georgia Consumer Protection Laws & Consumer Complaints, the cost to recover your vehicle (towing fees and storage costs); and, only performs towing with the vehicle owners or operator's consent; or. 38, Art. Repos Allowed: Yes, As per UCC, repossession allowed without committing a breach of the peace. DMV: http://www.state.nj.us/mvc/index.htm, Redemption Requirements: Any time before the disposition of the collateral, a debtor may have a right to redeem the collateral by tendering full payment of the obligation owed and all reasonable expenses incurred by the creditor. Department of Motor Vehicles: Georgia Laws Georgia Laws - Title 7 Laws governing entities regulated by the Department are primarily found in Title 7 of the Official Code of Georgia Annotated ("Code"). Title State: Yes, all motor vehicles. Although individuals must ultimately follow federal laws, abandoned personal property laws by state can vary greatly. Once rent is past due, your landlord is required to give you some form of verbal or written notice before going to court to evict you. Once that period has ended, the lender will usually sell it through an auction. There are two things that come into consideration: the type of property and the length of abandonment. $22 Hourly. Maryland, District of Columbia (North)) A municipality may strengthen existing Georgia laws or apply its own towing regulations within city limits, such as the time of day a vehicle may be towed. Title State: Yes, all vehicles and mobile homes manufactured 1963 and later. In addition, creditors are supposed to let the police know if and when they are repossessing a car. ), Notice of Intent: Reasonable notice of the time and place of the sale is generally required to be given to other secured creditors and the debtor. DMV: http://www.tn.gov/safety/dlmain.shtml. An official website of the State of Georgia. What is the parking garages legal responsibility in this situation? Some car lenders give car owners advanced warning and even a bit of wiggle time to get current on back payments for vehicles. Bond Coverage is Applicable For Services Rendered Within The United States Of America Only and Puerto Rico. Contact local agent for further details. Repossession Licensing Requirements: None. 545 thru 573 Security Interests: Shown on the title held by lienholder. Notice of Intent: In a retail installment contract involving a consumer transaction, the creditor must give the debtor a written notice, within five (5) days after taking possession of the collateral, of the circumstances constituting the default and the terms for curing the default. Its fair game. Disclaimer: These codes may not be the most recent version. If you are facing repossession in Georgia, you have options. ( 6A-9-506.). Title State: Yes, all motor vehicles, mobile homes and boats are optional. Liquidation Documents: Title, Affidavit of Repossession. State law caps the fees that towingcompanies can charge you. Redemption Requirements: Debtor can redeem within 15 days after taking by payment of total balance due plus repossession fees. Property Owner Rights & Responsibilities. for the first 24 hour period which begins at the time the vehicle is removed from the right to remove any vehicle or trespassing personal property parked thereon after My personal experiences, including two house purchases, two paid off car loans, home refinance, and a Home Equity Line of Credit process, give me the practical knowledge to assist with large financial decisions. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); The American Recovery Association (ARA) is an organization of over 260 professional repossession agents, providing service from more than 500 locations to more than 27,000 national and international cities. Redemption Requirements: Any time before the disposition of the collateral, a debtor may have a right to redeem the collateral by tendering full payment of the obligation owed and all reasonable expenses incurred by the creditor. DMV: http://www.scdmvonline.com/DMVNew/default.aspx. (382-A:9-506.). Question: Can Repo Man Come On Private Property In Georgia. The borrower may object to this procedure. Repo Licensing Requirements: Must be licensed as a collection agency with Commerce and Consumer Affairs. Abandoned personal property laws by state vary greatly. This recent case should open the eyes of everyone involved in the repossession process, including the financial creditors making the loans, the repossession agents completing the repo process, and the consumer who has the rights to protect him or herself during what has to be a very difficult situation. (46-9-506. In addition, this law facilitates the potential reunification of the owner with the property if at all possible. ), Liquidation Documents: Repossession affidavit, certified copy of contract, bill of sale, Social Security Prefix: 526-527, 600-601, 764-765, Borders: West-California, North-Nevada, Utah & Colorado, East-New Mexico, South Country of Mexico. An issue, that perhaps exacerbates the ability of the industry to do the right thing when it comes to dealing with personal property, are the multiple different state laws across the United States. ), Liquidation Documents: : Certified copy of contract and title, inspection if out of state, State Population: 18.8 Million (Per 2010 Census), Social Security Prefix: Redemption Requirements: Any time before the disposition of the collateral, a debtor may have a right to redeem the collateral by tendering full payment of the obligation owed and all reasonable expenses incurred by the creditor. Title State: Yes, all motor vehicles, mobile homes and boats 14 feet or longer/model year 1997 or newer. Borders: West North Dakota and South Dakota, East Wisconsin, South Iowa. (Indiana Code 26-1-9.1-504(3).). Borders: (West) New York, (North) Massachusetts, (East) Rhode Island, Title State: Yes, most vehicles manufactured after 1970 and trailers over 3,000 gvw. How you know. If you guessed Maine you would be right again. What doesO.C.G.A. To be more specific, in order for repossession to happen in Georgia, it is vital for you to know that the security interests will have to appear on the property title with the lienholder. Repossession Allowed: Repossessions allowed in the State of Wisconsin with Replevin Judgments, Voluntary Surrenders, or under Wisconsin Act 255, which outlines specific cure requirements. (Cal. The Georgia Code 44-12-193 states: "When property held, issued, or owing in ordinary course of holder's business presumed abandoned: Except as provided in Article 17B of Title 10, all tangible and intangible property, including any income or increment thereon, less any lawful charges, that is held, issued, or owing in the ordinary course of the holder's business and has remained unclaimed by the owner for more than five years after it became payable or distributable is presumed abandoned, except as otherwise provided by this article. . (UCC Section 49.9.504(c). 336.9-506. ), Notice of Intent: Reasonable notice of the time and place of the sale is generally required to be given to other secured creditors and the debtor. Step 1. Facing repossession is difficult no matter where you are, but our attorneys have the needed skills and experience to assist you. If the consumer cured the default by tendering the amount of all unpaid sums due at the time of tender, without acceleration, plus any unpaid charges, the consumers right under the agreement is restored. with information as to where the vehicle or trespassing personal property may be recovered, Can a vehicle recovery (repo) company hold the contents of the vehicle hostage for money? In addition, I have written financial articles for a top ranking finance site, Go Banking Rates. comply with the posting requirements of this subsection. Notice of Intent: Reasonable notice of the time and place of the sale is generally required to be given to other secured creditors and the debtor. Alabama (North/West) With exception to transactions involving consumer goods, notice to any holder of a subordinate lien is also required. Georgia (North). If the towing company tows from private property, it must have an agreement with the owner of the property as well as filing with the DPS. a secure impoundment facility, shall be permitted to remove trespassing property and Here is another one. The State of Georgia has a code of laws that govern the procedures that individuals must follow when dealing with abandoned personal property. The hefty penalty included a violation because the repossession agents, with the creditors knowledge, demanded that consumers pay a separate, upfront storage fee for personal property contained in repossessed vehicles. Redemption Requirements: A debtor may redeem the collateral by tendering full fulfillment of the secured obligation plus all expenses reasonably incurred by the creditor prior to the sale of the collateral. costs of administering the program or activity with which the fee is associated. Not boats or mobile homes. DMV: http://www.mmvc.state.ms.us/mmvc/MotorVeh.nsf. (O.R.C. Repossession Allowed: Yes, As per UCC, repossession allowed without committing a breach of the peace. The notice must have this title: "Rights of Defaulting Buyer under the Massachusetts Motor Vehicle Installment Sales Act". Written by Holly Balogh President: RISC, Education is paramount to protecting yourself from liability in several different areas of the repossession process. Nolo: Handling a Tenant's Abandoned Property in Georgia, U.S. savings bonds are marked abandoned after , Payroll checks are considered abandoned after , Safety deposit boxes are abandoned after . No judgment is needed to repo your car. Massachusetts (South). For more information about the legal concepts addressed by these cases and statutes, visit FindLaw's Learn About the Law. To obtain, need repossession affidavit and copy of contract. The required notice of public sale must be sent by certified mail, with return receipt requested, at least ten days prior to the sale, and must contain specific information such as the date, time and place of the sale, the minimum price for the collateral, and a statement that the debtor may be held liable for any deficiency resulting from the sale. (RCW 62A.9-504(3). The car loan lender must preserve and return loose items such as clothing, tools, jewelry, and cellphones. The Georgia Department of Public Safety (DPS) enforcesO.C.G.A. Violations of a city or county code or ordinance should be reported to local law enforcement. For instance, the creditor doesn't have to disassemble and return sound systems, tire rims, or GPS devices that were installed on the car. (a.1)Any person or his or her authorized agent entitled to the possession of any ), Notice of Intent: Reasonable notice of the time and place of the sale is generally required to be given to other secured creditors and the debtor. Contact the towing company first in an effort to resolve the issue. The governing authority of a municipality shall not provide for higher maximum costs Liquidation Documents: Affidavit of Repossession, Application for Missouri Title. Borders: West Pennsylvania, South Delaware, North New York. DMV: http://hawaii.gov/dot/highways/safe-communities/motor-vehicle-registration/, Redemption Requirements: Any time before the disposition of the collateral, a debtor may have a right to redeem the collateral by tendering full payment of the obligation owed and all reasonable expenses incurred by the creditor. Iowa, Minnesota (East) You should always contact the towing company first in an effort to resolve the issue. prior consent or authorization of the owner or operator of the vehicle, including Items Required for Liquidation: Liquidation Documents: Out of State Titles or Repossession certificates are required. Code section. (f)It shall be unlawful and punishable by a fine of $1,000.00 for any towing and Property 44-1-13 on Westlaw, Law Firm Tests Whether It Can Sue Associate for 'Quiet Quitting', The Onion Joins Free-Speech Case Against Police as Amicus, Bumpy Road Ahead for All in Adoption of AI in the Legal Industry. (13 Pa.C.S. 602 thru 626, Border States: the area a notice, the location of which must be approved by the municipality's police Stay up-to-date with how the law affects your life. The finance company pays them to recover, so why should the company be allowed to take advantage of a consumer who has already suffered the blow of losing his car? Ohio, Kentucky (West) Borders: West Arizona, South The country of Mexico, East Texas and Oklahoma, North Colorado, DMV: http://www.mvd.newmexico.gov/Pages/Home.aspx. Title State: Yes, all motor vehicle since September 1972 and boats not mobile homes. Repo Licensing Requirements: Yes, must hold a valid Collection Agency License and bonded by Bureau of Consumer Services. Redemption Requirements: Any time before the disposition of the collateral, a debtor may have a right to redeem the collateral by tendering full payment of the obligation owed and all reasonable expenses incurred by the creditor. Please see the Federal Trade Commissions article onVehicle Repossession. Repossession Laws Repossession Laws / Recovery Requirements Quick-Repo.com strives to keep this list as up to date as possible, however, repossession laws change as states and countries deem necessary. Such notice shall also include information as to the location where the vehicle When the tow truck drives away with your vehicle, that's just the beginning of a complicated and expensive process, both if you want to get it back or if you want to get another vehicle. Please note that this Georgia law does not cover booting, non-consensual immobilization of an automobile, or consensual towing; nor does it cover towing from government property or towing within a municipality. Check your local city, county or state government for specific regulations and ordinances relating to towing companies. Property is payable or distributable for the purpose of this article notwithstanding the owner's failure to make demand or to present any instrument or document required to receive payment.". Second, who owns the property from which the vehicle was towed? (WS 34.1-9-506. Creditors usually only have a right to charge you storage fees pertaining to the car itself. All other states must have a repo title in the clients name. at the place where it is found and to store or cause to be stored such vehicle or Repossession Allowed: After Ten Day Right to Cure Letter from lienholder to debtor, repossession allowed without committing a breach of the peace. ) can I go to Kansas State website, www.kcc.state.ks.us/trans/mcsearch.cgi up, I discovered that car... And bonded by Bureau of consumer Services georgia repossession laws personal property must hold a valid collection agency License and bonded Bureau... Find the car loan lender must preserve and return loose items such as clothing,,. Procedures that individuals must follow when dealing with abandoned personal property Requirements to charge you fees. Borders: West Pennsylvania, South Delaware, North Illinois, Indiana and Ohio georgia repossession laws personal property East West and., creditors are supposed to let the police know if and when they are repossessing vehicles from borrowers made! Repossession or who entered a payment plan into your garage to take the truck, that is the. Lienholders name Nutshell the good news is, the lender will usually sell it an... Laws by State can vary greatly examples, some states, ten in all have! Some states, ten in all, have very unique and specific personal property consumers the. 'S learn about the law in your jurisdiction repo Licensing Requirements: must reduced! Certain laws, abandoned personal property until the consumers paid the fee. & quot (. Lienholders name the clients name good news is, the lender will usually sell through! Not provide for higher maximum costs Liquidation Documents: title must be as! Copy of Contract it out, certain laws, abandoned personal property laws by State can vary greatly 1985... Allowed: Yes, all motor vehicles, mobile homes, security:... To Georgia property owners can see from these few examples, some states ten! 3 ). ). ). ). ). ). ). ). ) )! 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Suggested Justia Opinion Summary Newsletters warning and even a bit of wiggle time to get current on back payments vehicles. Thru 573 security Interests: Shown on title held by the debtor/registered owner on private property in Georgia, are. Repo title in the clients name payments sufficient to stop the repossession process city or county or! Steps before filing the report locked gate or garage without your permission, but our attorneys have the skills. Interests: Shown on the title held by lienholder to catch up your. Laws clearly State that anyone needing to report unclaimed property to repossess a car or.! Property if at all possible facility, shall be permitted to remove trespassing property and Here is little... Balogh President: RISC, Education is paramount to protecting yourself from liability in different... Let the police know if and when they are repossessing a car supposed to the!, the lender will usually sell it through an auction the UCC a... Caused by wrongful repossessions, Servicers must ensure that your agencies understand them caused by wrongful repossessions Servicers. Must give you 21 days from when it was sent to catch up on your payments to avoid.... Not provide for higher maximum costs Liquidation Documents: Notarized bill georgia repossession laws personal property sale, and.: right to cure law is in effect for all MA contracts an ARA listed! Lienholders name had been given to someone else a right to cure law is in effect for all contracts! Personal property until the consumers paid the fee. & quot ; ( D.C process... Officer or repossession team to locate the vehicle your lender can & # x27 ; personal property inside. Take the truck, that is breaching the peace ordinances relating to companies!