Bitstream,

Your repsonse sounds like an excellent way to incur large attorney fees.
Remember, you would probably have to defend yourself from criminal charges and civil charges. I don't know for sure, but I doubt if the castle doctrine applies to your yard. I would think that if you saw someone in your yard, you would be better off remaining inside your dwelling and calling 911.
I was in the repo business many years ago, so I do have some knowledge of that business. The repo is not a surprise to the customer. The finance company tries to contact the customer to resolve the matter before they have to repo the car. Ford Motor Credit would send a series of letters to the customer advising of the repo. Also, who knows better than the customer that payments are past due. The finance company never wants to repo a vehicle. They are in the finance business, not retail auto business. I never repoed any vehicle that was worth what was owed on it. Dean