Bit,
Didn't say anything about immediately shooting. I merely pointed out that if you shoot someone because you thought they were "going for something", I would expect there to be legal repercussions. At the very least, a civil wrongful death suit. That would probably be a wallet lightening experience.
There would be no "guess" about the repo. As I said before, the customer knows he or she has not made payments. The customer has been contacted on several occasions advising of the upcoming repo.
I still think you would be better off to stay inside and call 911 no matter how long response took. If the person you saw outside your home tried to come inside, then I would think any action you took to prevent that would be considered by most to be justifiable. If you do not agree, that is fine. I was just trying to point out that the legal ramnifications can be extremely expensive. Dean