Anybody more than two months behind on their car note oughta know who that is in their yard after dark. I don't really care for repo men. They invite trouble. There is a legal way to retrieve a car through the courts. It's called a replevin. Here it costs $60.00 for the replevin and a $200.00 tow bill from the towing company. That's $140 cheaper than what the repo man charges and it's all done by a LEO with a court order. I've been to several calls where the repo man gets "caught" trying to snatch a car. If he doesn't have a court order, and I haven't seen anybody with one yet, I order them off the premises and advise them they are trespassing, and then tell them which court to go to to get as replevin. The copy of a contract doesn't mean anything to me without a court order. These guys bluff their way through most of this stuff because a lot of people they deal with don't know any better.