car repo... legal or not legal with breech of the peace involved?

Question

I have a car that the bank is trying to repo. I am paying it off next month, but the bank sent the repo man out to get it and could not find me. They went to my neighbor's house at 10 pm, jumped the fence marked no trespassing and revealed to them the info they had on me in there file without my consent. Now i ask.... is this or isn't this not only breech of the peace by jumping my neighbor's fence and waking them up, but also a violation to the privacy act. By the way i did find out that they commited felony trespassing violations. I also found out that the bank is responsible for the actions of the repo man because they hired him. Any legal advise on this would help.

Answer 1

Whether or not you plan to pay this off next month has no bearing on it. The repossession agent is acting as a representative of the company that owns, and financed your car and they have the right to get it where ever it is by any means they need to employ, as you agreed to when you signed the original papers. You don't own the car, the bank does. You are in breach (not breech--breech (n.) The lower rear portion of the human trunk; the buttocks) of the contract you signed with them where you promised some things including a promise to pay regular payments.

So, best to look at your behavior which includes concealing a car that isn't yours, a felony, before you worry about what the repossession agent is legally doing as the agent of the owner of the vehicle.

Answer 2

You should be aware that concealing secured property from a creditor to avoid repossession is a felony in most states.

If the repo men breach the peace, that's generally a misdemeanor, and won't help you in any event.

The information they have on you is information you gave them for the purpose of finding you if you didn't pay. They can do pretty much what they want to with it.

Don't hide the car.