Overhaulin'

Is it possible to beat the repo man?

I havent made a payment since July 2009. The "bank" has gone to court and been issued a Writ of Possession. They havent shown up to my house yet. I hear that they'll come with the police and repo guy. I plan to hide out in the house and not answer my door. The longer I string them along/stall for time, the longer I go judgement free. I figure if they get the vehicle back sooner, they'll sue me that much sooner and start garnishing my wages. Seems to be to my advantage to string this out as long as possible. What happens if they never recover the vehicle? (its in Mexico) Why would I surrender the vehicle? so they can auction it off for pennies on the dollar, then sue me for the balance? ohhhhhh, and garnish my wages. forget that, I'll part this sucker out and give it back on blocks, lol "Also, if the creditor doesn't receive the vehicle back after going through the court ordered Replevin, then the creditor might include the term 'P&L write off' or 'Subscriber cannot find' in with their regular negative reporting of the account on your credit reports, which is far worse than just having a repo or a repo and a judgment on your reports." I plan to go chapter 7 BK and wipe everything out Is it possible to beat the repo man? I'd have to say yes. I've beat the repo man like a "yard dog" for the last 2 years, lol. Even if they sue me and get a judgment for the full balance of the loan, plus repo charges, they'll never recover the vehicle and I'll declare chapter 7 bankruptcy and wipe out their judgment. I think its funny as hell to see "The Bank" continue to switch repo companies. They've burned through 3 different companies in the last 2 years. I think its funny to confuse their "skip tracing" software, by registering my credit cards to a relatives house 2,000 miles away. Also, turing on utilities for a buddy who is attending college out of state confuses them as well. The more time they waste with me, is one more day someone else more deserving gets to keep their car, because the repo guy is spinning his wheels with me. I cant wait until he shows up with the cops. I will come out, get really really really mad, tell them the vehicle "ain't here" so "get lost." I will also trespass the repo guy in the presence of the officer, and is he returns, it will be considered "disturbing the peace" which is a big No No in the repo world. The cops can only arrest me if the vehicle is here "Louis and Matt?????" are you serious? Those are actors. google them. You think that show is real? wow.

Public Comments

1. Um, is this good? I mean, one day you might want a credit card or a loan to buy another car or house and who will lend you money - no-one. Oh, and I wonder if Mr Repo man reads Yahoo answers? Lucky Mexico is a big place!
2. They will not knock on the door. A two truck will show up and tow the vehicle away. The cop can easily get a warrant to come into your home, open your garage door, and let the tow truck pull your car away. And that's what they'll do if you don't surrender the vehicle. Happened to my daughter. We moved from North Carolina to Texas and it took them about 4 months to find where she was and arrange for the repo. But one day she went to get in her car to go to work and the car was gone. There was a note on the door of the house telling her the car had been repossessed. In addition to making the past due payments, she had to pay abut $500 extra to get the car back due to towing and storage fees (and they only had the car 3 days) and the fee the bank charges to process the repossession. I realize you aren't going to get the car back, but that's how efficient they are at finding you and taking the legal steps necessary to take back the vehicle.
3. I am curious as to why you think you should not have to pay for the car? You signed a legal document stating that you would repay the money you borrowed and you hide it in another country and are not driving it....why?
4. No it's not, you may beat your chest. Go ahead and brag. I did see the episode that the repo man Louis and Matt took back a traveling camper from Canada after 27 years. Fraud has no limitations so, when you least expect a tap on the shoulders by a cop, it will be great.