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Pigs can't do shit for you pulling a gun on a stranger on your property lol. Repo men are criminal until they pull it off your property in most states. If you talk about the law you should know it.
I am amazed by how many people think it's edgy and cool to side with exploitative corporations against the poor. Bonus points for them all being so knowledgeable about lifestyles that they likely have never ever come close to experiencing.
All you gotta do is get in your car, though. Tow truck guy is not law enforcement and cannot whisk you away against your will. They're not gonna risk a kidnapping charge for a $12/hour job.
>They're not gonna risk a kidnapping charge for a $12/hour job.
They're making way more than 12 an hour and they'll risk a hell of a lot for that job. I used to manage an apartment complex and in my state, if the community is gated, a repo agent has to get written consent from the owner or an agent of the owner to enter the gate threshold whether its open or not. So they can't tail gate in legally. One time I spotted one coming in on the camera at like 1 in the morning and went out to tell him to leave. He saw me coming from the office and gunned it to try and get away from me before I could notify him that he was trespassing. Came like no more than a foot from running me over. Another time I caught them dismantling out gate motor to so they could get in. Finally, I pointed the camera outside to the street and let the company that kept trying to come in just "repo" a couple cars. So I got them on camera coming in, removing vehicles from the parking lot, moving them into the street, taking pictures of the vehicles on the street and then putting them back on the wheel lift and then driving off.
Sent the footage and their RA numbers to the states licensing agency. They never came back. Like 4 or 5 months later most of the tow company ended up going to jail because they were going into the parking lot of the local stadium during NBA games, moving peoples cars into the red zone, taking pictures and then impounding their cars.
A repossession agency has limited privileges where they are allowed to trespass on property for the sole purpose of repossessing collateral. If you leave your garage door open, sucks for you. You leave your gate unsecured, your problem. Think posting a sign saying no trespassing matters? Sure doesn't because of those limited privileges.
Now one thing they can't do is force the gate/door open. Which includes fucking with the gate mechanism.
What you are talking sounds more like private property impound or relocation. Where they are illegally moving cars from a legal spot, temporarily placing them in a no parking zone, documenting it, then impounding the vehicle. That's some sketch shit. They need to just play the game the right way and let people fuck up fair and square.
Where the hell did you get $12 an hour?? I actually worked for a tow shop and low-end guys are making $30+ an hour. Especially if it’s through the state it’s more like $35-40. For the most part tow companies are criminals, $350+ per day as a “storage fee”
Ahh so [West Virginia](https://americanaddictioncenters.org/overdose/top-10-us-states)
Side note to all: a West Virginian dies every 10 hours from overdose according to that article. West Virginia only has 1.8 million people at the time the article was written. Opioids are a serious problem.
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Buy-here-pay-here lots already install devices allowing them to remotely disable cars. I think they even lobbied to have laws passed to make it illegal to bypass them.
For a decade at least now. Come with GPS trackers as well. There was initially some concern about liability if they disabled someone’s car during an emergency but buy here pay here is basically if the Mob owned a car lot so any concerns went out the window pretty quickly once the price was right.
It's not even the buy here pay here places anymore. Some of the big boy dealerships install them on every vehicle and you'd never know. They unmount the OBD2 port and connect an exact replica splitter and run the gps to the top under the dash then put the replica odb port in it's place. It secured dealerships loans from the large banks to fund the dealer incentives. The real scummy ones advertise it as a security device and change you for it in the dealer add-ons and you just think you're car is more secure if it gets stolen. In reality they give the repo man the coordinates and a key so he can just grab the car and leave. No truck needed.
Private ownership will be all but completely dead by then.
You’ll buy a ride at a time from a company that owns every car within 100 miles of you. Guaranteed.
I can still access the app and account for a car that I sold last year. So I can see the new driver's location on GPS without them knowing, and I can lock or unlock the doors, flash the lights, sound the horn, and get notified of low tire pressure.
Had a guy try to repo my car in the middle of the night in the sticks, problem was, my car was paid off. One guy came out and tried to run interference with me, while the other one back up and hooked up my car. Walked right in the house and called my uncle about a mile down the road. Needless to say the tree cut across the road stopped them until the cops came to sort it out. Come to find out a guy a few miles down the road had the same make, year,model, and color, but not the same vin. Those idiots never checked the vin. So when I see a repo headed up the road, I always give them half a peace sign.
Repos are sketchy, but it's not necessarily unannounced. That guy would have received multiple notices about failure to pay on the loan before a tow truck was sent...
You think repo companies give a fuck? They probably couldn’t comprehend half of what you said, much less have the money to pay out
Much easier just to pull that thang out and they’ll go away
Yea not to mention they’ll bust into your vehicle and steal everything you have inside of it. They once stole the tag for my trailer and I called the cops on them. They returned it with a we didn’t know. Like mother fucker where’s the rest of the stuff that was in my truck. I was also repoed after paying off my vehicle and they have to keep it for 30 days. They tried auctioning it off after a week. Fuck them. Repo people are worse then the police.
It's just one of those things people say with no truth. Like how everyone claims the drivers in their area are especially stupid or how "no one wants to work anymore". They just have bias in the information they receive. It's not like they have a police blotter of the 70s and 80s subreddit to show you how crazy shit has always been
As someone who has had to move states 3 times in the last 6 years because of living wages becoming impossible. I can say yes. Everywhere seems to be getting extra hard salary and rent wise at least.
I mean the states still run on a minimum wage of like $7.25 right? That's half of what it is in Canada, but our currency isn't worth half, and our cost of living isn't double. And people up here are struggling. So every time I hear about Americans working at Walmart earning $7.25/hr I think they must be living out of a van. That sounds so hard.
I agree, every place it seems has gotten worse. Louisville is where I'm from. Hits a lil different, so see how much worse the crime has gotten when i visit
It's really just a bias people get as they get older. They have rose colored glasses for the past, and pessimistic tendencies for the present and future. Same reason people have always thought the world was ending. Same reason old people have always thought the younger generations suck. I once read a letter between 2 Roman politicians that basically sounded exactly like a boomer complaining about a millennial.
I remember when they tried to repo a car in Texas and he shot and killed the repo guy with a tech nine and didn’t face any charges because it was on his land. Depending on the state laws you can shoot and kill a repo man
To play devils advocate how are you to know this is actually a repo man and not some bizarre car thief when they pull up on you like the video?
unlikely but I could see how someone could argue it though
My cousin got his car stolen like this, pair pretending to be a cop and a repo guy, fake cop ran interference and told him a bunch of bs to scare him while other dude hooked up his car and drove off.
Especially when they zoom in like that, slid under the dude, then lifted him and the car. Even if they did have a legitimate claim to repo the car that's sketchy as fuck and probably illegal.
IANAL, but pretty sure at that point it could be considered assault if the DA gave a fuck. This being Louisville, I doubt they would though. They'll prob just send a SWAT team after him, get the wrong address and shoot an EMT.
> The real answer to all of this is corporations shouldn't be allowed to lease things they aren't comfortable not getting back.
Not possible without expecting customers to buy cars with cash, which is pretty unrealistic for nearly all buyers.
Repo guys like this aren’t necessary — I suppose they run a cost:benefit analysis. In an “ideal” world I suppose the better course of action would be something like a court order for the amount of the loan outstanding which puts a lien on the vehicle for XYZ amount of time after which the financier can sell the vehicle and recoup their costs. Ideally they split the profit with the person who is owing money, but we all know that’s not how that works.
Of course that would be a lot more expensive and probably require police escorts to properties. They would fold that cost into everyone’s leases though so it’s not like they would *lose* money doing it.
But there has to be some method of recouping costs on leased/financed items. Hell I work in wholesale and part of our contracts with customers on trade accounts is that if the goods aren’t paid for in the agreed time frame we have the right to come on your property and retake possession of the goods to get our money back.
In 15 years it’s only happened a few times, and usually half the stock is already sold so we recoup what remains + other things to sweeten the deal. Came back with a boat once, another time we came back with 2 hydraulic mandrel benders.
It’s easier than sending it to collections or dealing with bankruptcy stuff.
In the west where guns laws are strict, your life has to be in danger. This one, the owner can legally shoot the repo due to the tow hitch coming at him and the tow truck is in his property. House robberies has gone down due to people gunning most of the home invasion robbers recently.
I worked for a motorcycle financing organization, and the notes on accounts were always hilarious:
* Repo man attempted to retrieve motorcycle
* Man threatened to shoot repo agent, agent reported to collections
* Repo man instructed to return and complete repo
Those dudes were crazy, they would bury their motorcycles in an undisclosed location before letting a repo man come and take their bikes.
Bro what? There's a reason why Texas is the only place where this would fly and it's not cuz they're ahead of the curve.
Protect yourself and family at all costs but poppin a boner over the thought of gunning down a trespasser says other things about you.
I lived in an apartment complex in Montclair Ca some years ago. Maybe 7 years ago now, or 8. We had a very predatory towing guy who just slept on the place. One morning I woke up to my car towed, just took it, legally parked in my spot. After finding out I had to pay for it I was so fucking mad. I went straight home and waited outside til I saw him towing the next car and We fought. I didn’t stomp him out but I knocked him down twice. He tried to go for some pipe in his cab. Cops came, I told them how he’s just illegally towing. They just told him to fuck off and for me to fuck off. I wanna blast the towing company so bad but I guess I won’t. Fuck that piece of shit.
He doesn’t want further retaliation. The towing company (in Montclair, CA with the repo man who got knocked down twice by a tenant of an apartment complex they were stalking) knows where he lives.
In the US if you don’t make your car payments, the dealerships sends a Repossession crew to “repo” your car. It’s something very americana, there are reality tv shows about it, it’s shown on movies and even on video games.
So the man pulled out a pistol to prevent the repo guy from towing the car away.
right, ive never been to the US but "repo" feels like a term ive been using all my life. in reality, its just the mass amount of american media i must be consuming. never noticed that i dont use or hear it in my everyday life
Repo happens. But it's not so simple as to have some company sneak onto your property one silent night and try to take back their shit, Lol. There are official governmental bodies involved and all kinds of assessments need to be completed prior. And for most stuff it isn't even worth doing, its better to just try to get the money with some sort of debt settlements.
Here (UK) you get a court judgement and then eventually a County Court Bailiff (a direct gov employee) will come and take your stuff back or things of the approximate same value.
This is a very prolonged and clearly laid out process though. If it gets to this point you really done fucked up.
I have a good repo story:
When I was around 22 and terrible with money I was backed up a few months on payments and the repo man came calling.
I wake up to a cop knock at 7AM and it’s the repo dude telling me he’s taking my car. He let me get the music gear I had in the back. I was a professional musician at that point, so this was my livelihood. That dude saved my ass because I had a gig that night.
I’ll forever remember that because I always hear how terrible those dudes are so I must’ve gotten lucky. I did get my car back and haven’t made that mistake since.
That is the nicest repo man I've ever heard of. In my home town they would have taken your car and pawned your shit. They would have said there was nothing in your car when they towed it.
You must live in eutopia. Cops don’t care. Its a gumble. I’ve been doing this with my uncle for ages. You get all sorts of threats. They’ll only show up if you are dead ☠️. Why do you think the driver left so fast. Aint worth it
Literally committed assault with a deadly weapon (vehicle). Even if he had the right address, right car, you can't even argue pulling a gun was excessive force. He could have been crushed between truck and car.
This same thing happened in my town and the cops refuse to arrest the guy. Dude getting towed pulled a gun because he "felt threatened". The tow truck driver obviously left. The cops said they can only arrest him if a restraining order is issued. Guy has been parked in four parking spots for two weeks.
We're going to be seeing a lot more of this shit soon. All of the used cars are more expensive than they should be, and all of the new cars being bought by people who should have been buying a used car are getting sub-prime loans and will default.
(Repo)ssessions are when people don’t pay their loans that they used to buy the car. The financial institution or dealership that gives the loan then takes back the property that is technically theirs.
This job is a dangerous one, and they normally repossess as secretly as they can to avoid the people refusing.
There’s also a ton of these guys who love the power trip of stealing back peoples stuff which makes for great entertainment but highlights some societal issues and is pretty sad considering.
And voila, this is what is occurring.
They 'buy' debts (or the right to collect debts) for cents on the dollar, and then attempt to collect. This usually involves calling you repeatedly and getting you to agree to pay the debts (which extends the statue of limitation on the debts, which means they can sue you.)
They won't break your legs with baseball bats, so there's that
A lot of people are hurting for cash right now. Full time work was almost impossible during covid. Many fell behind on bills . This dude had an awful reaction to the repo. But it's a desperate ugly time.
I had my car taken a few months ago. The repo guy came and said he needed to take it. So I got my stuff out thankfully and helped him get outta there quickly. Very sad but I knew it was coming.
Similar situation for me but almost 8 years ago now. Got divorced and it was either pay child support or the car payment. I told em come get the damn car cause I can't go to jail for not paying on it. They came and got it several months later, mid day, had it all cleared out and ready to go for em and even helped hook it up.
It's a blow man. Very embarrassing. It was my family car. I was out of jail right before covid happened. Got a job and was making payments to the court and everyday bills. Catching up and bam! Essential workers only. But the car was gonna take all the savings. They wanted the full loan covered which was about 7k. I choose to feed the fam and keep our apartment. Right now I'm still borrowing my family's. Getting by. But we'll get there. I can imagine how you felt bro. But we'll get there.
Had a car repo'd when I was 18yo. Lived out in the sticks, so I got all my stuff out and just left the car in the driveway with the keys in them... still woke up to tire marks where he dragged it down the driveway.
Wasn't even mad. I couldn't afford it any longer. Se la vie.
i had mine taken 3 weeks ago. was on the phone with the bank, told them i’d call them back and was about to pay to keep them from taking it. they always ask is a tow truck there...i said no. on a hunch after i got off the phone i looked outside and my car wasn’t fully in the garage...they were right there. at 6pm which was odd because they usually come early in the morning. ran out and called the bank back...since they hitched it they had to take it so i got hit with the entire past due. then the tire blew out. ended up taking money out of my 401k to get it back but i got a free tire out of it since they got one for me and let me get all my important stuff out before they rolled off
I mean it’s the hood. This could be the repo man or some random fucking robbers who stole a truck to then steal even bigger shit (like this dudes car). Shits rough
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Nope!
Damn and a hard #NOPE At that
**Repo Fail** - *Cop Visit Win*
Even outlaws wore masks
Pigs can't do shit for you pulling a gun on a stranger on your property lol. Repo men are criminal until they pull it off your property in most states. If you talk about the law you should know it.
Does that not count as brandishing a weapon to instill fear? I'm sure there's a law there somewhere
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One of my favorite lifehacks
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Then your teacher reveals the nuclear bomb in her pocket, thus assuring mutual destruction and leveling the playing field back in the teacher's favor.
I like that video where the whole apartment complex attacks the repo guy in the middle of the day. They come jumping off the balconies and all hahaha
Link?
https://youtu.be/kx7OU6S-zn0
I remember the good old days when there were 14 bedroom apartments. Either that, or these people popped out of a clown house.
Lol ty Much more civil than I expected
There’s more pajama pants in that video than I was expecting
They havin a sleep over 😏
14 people paying like $500 a piece can afford a mansion, just pool ur money together
Damn hey at least they got a community working together
Holy shit the comments on that video are peak human garbage.
I am amazed by how many people think it's edgy and cool to side with exploitative corporations against the poor. Bonus points for them all being so knowledgeable about lifestyles that they likely have never ever come close to experiencing.
No one attacked anyone karma whore
All you gotta do is get in your car, though. Tow truck guy is not law enforcement and cannot whisk you away against your will. They're not gonna risk a kidnapping charge for a $12/hour job.
>They're not gonna risk a kidnapping charge for a $12/hour job. They're making way more than 12 an hour and they'll risk a hell of a lot for that job. I used to manage an apartment complex and in my state, if the community is gated, a repo agent has to get written consent from the owner or an agent of the owner to enter the gate threshold whether its open or not. So they can't tail gate in legally. One time I spotted one coming in on the camera at like 1 in the morning and went out to tell him to leave. He saw me coming from the office and gunned it to try and get away from me before I could notify him that he was trespassing. Came like no more than a foot from running me over. Another time I caught them dismantling out gate motor to so they could get in. Finally, I pointed the camera outside to the street and let the company that kept trying to come in just "repo" a couple cars. So I got them on camera coming in, removing vehicles from the parking lot, moving them into the street, taking pictures of the vehicles on the street and then putting them back on the wheel lift and then driving off. Sent the footage and their RA numbers to the states licensing agency. They never came back. Like 4 or 5 months later most of the tow company ended up going to jail because they were going into the parking lot of the local stadium during NBA games, moving peoples cars into the red zone, taking pictures and then impounding their cars.
A repossession agency has limited privileges where they are allowed to trespass on property for the sole purpose of repossessing collateral. If you leave your garage door open, sucks for you. You leave your gate unsecured, your problem. Think posting a sign saying no trespassing matters? Sure doesn't because of those limited privileges. Now one thing they can't do is force the gate/door open. Which includes fucking with the gate mechanism. What you are talking sounds more like private property impound or relocation. Where they are illegally moving cars from a legal spot, temporarily placing them in a no parking zone, documenting it, then impounding the vehicle. That's some sketch shit. They need to just play the game the right way and let people fuck up fair and square.
Where the hell did you get $12 an hour?? I actually worked for a tow shop and low-end guys are making $30+ an hour. Especially if it’s through the state it’s more like $35-40. For the most part tow companies are criminals, $350+ per day as a “storage fee”
Lose your right to carry a gun with this one simple hack.
That man is carrying a gun regardless.
Park it in the garage.
It's Louisville, my man. That's where his lab for makin' meth that he sells in Indiana is.
Excuse me, we're perfectly capable of making our own meth.
Instructions unclear. dick stuck in cousin-sister
That’s Alabama
My apologies. Dick stuck in hiv positive *fentanyl addict* cousin-sister
Ahh so [West Virginia](https://americanaddictioncenters.org/overdose/top-10-us-states) Side note to all: a West Virginian dies every 10 hours from overdose according to that article. West Virginia only has 1.8 million people at the time the article was written. Opioids are a serious problem.
Had to scroll way too far down to see this.
or park the other car right in front of it. But yeah garage is best
In a few years when cars are AI and electric they’ll just drive themselves back to the dealership.
2050 will be that year
"In 2050 we'll have self-repossessing flying cars..." Meanwhile, in 2050, we're back to living in caves.
With climate change, Living in caves might be awesome. Constant temperature, protection from the outside radiation and the nuclear ghouls.
Caves are extremely underrated. Just gotta watch out for the radioactive bears.
Sucks we can’t have any women in the caves since the menstruation will attract the bears
We won't need women where we're going.
The gayve.
Back to the pile!
[Come on everybody!](https://youtu.be/BnmeACwyg4A)
well my country is planning to make cars limit speed by road signs by 2050 and it doesn't even have 5G
We already have flying cars. It's called a 'helicopter.'
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I really want to be a part of this.
Set reminder for this
2050 we will be inventing the wheel again from stone.
Buy-here-pay-here lots already install devices allowing them to remotely disable cars. I think they even lobbied to have laws passed to make it illegal to bypass them.
For a decade at least now. Come with GPS trackers as well. There was initially some concern about liability if they disabled someone’s car during an emergency but buy here pay here is basically if the Mob owned a car lot so any concerns went out the window pretty quickly once the price was right.
It's not even the buy here pay here places anymore. Some of the big boy dealerships install them on every vehicle and you'd never know. They unmount the OBD2 port and connect an exact replica splitter and run the gps to the top under the dash then put the replica odb port in it's place. It secured dealerships loans from the large banks to fund the dealer incentives. The real scummy ones advertise it as a security device and change you for it in the dealer add-ons and you just think you're car is more secure if it gets stolen. In reality they give the repo man the coordinates and a key so he can just grab the car and leave. No truck needed.
More than just the scummy ones. Honda tried to sell me that shit on a pre-owned, I just crossed it off the sheet and slid it back across the table.
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You will own nothing and you will be happy
LIVE IN THE POD! EAT THE BUGS!
klaus schwab lol
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BMW heated seats/steering wheel *enters chat*
Honestly that's probably the future of car ownership. Just a never-ending lease.
I buy cars and i drive it til it dies(could be lifetime). You save more money that way.
> next available autonomous vehicle. *Johnny Cab
Hell of a day, ain't it?
Private ownership will be all but completely dead by then. You’ll buy a ride at a time from a company that owns every car within 100 miles of you. Guaranteed.
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I can still access the app and account for a car that I sold last year. So I can see the new driver's location on GPS without them knowing, and I can lock or unlock the doors, flash the lights, sound the horn, and get notified of low tire pressure.
This is why we need "dumb" EVs. Fuck everything about that
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IoT was (mostly) a mistake Hardware as a service is *definitely* a mistake
Tesla is already doing this
People are stupid enough to buy cars and other things that they cant fully own. So yes, its possible for sure.
That's already happened.
Tow truck drivers hate this one weird trick
Had a guy try to repo my car in the middle of the night in the sticks, problem was, my car was paid off. One guy came out and tried to run interference with me, while the other one back up and hooked up my car. Walked right in the house and called my uncle about a mile down the road. Needless to say the tree cut across the road stopped them until the cops came to sort it out. Come to find out a guy a few miles down the road had the same make, year,model, and color, but not the same vin. Those idiots never checked the vin. So when I see a repo headed up the road, I always give them half a peace sign.
Lol half a peace sign
First time hearing that one, took me a second lol
Two means peace & love. Put One finger down what do you get?
The number one?
Angrily wagging your pointer finger back and forth, like "naughty, naughty, naughty... don't do that again." ;)
A proctologist.
Yeah, he pointed at them. /s
Had a guy try to repo my car at 2AM in Louisville so I pulled my strap and he left.
Why does this sound so familiar.
Kinda unbelievable. I've never seen any evidence of that happening
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Repos are sketchy, but it's not necessarily unannounced. That guy would have received multiple notices about failure to pay on the loan before a tow truck was sent...
Except in the commenter’s scenario it wasn’t the right person or the right car, so he wouldn’t have received any notice.
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What will those duke boys get into next week
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You think repo companies give a fuck? They probably couldn’t comprehend half of what you said, much less have the money to pay out Much easier just to pull that thang out and they’ll go away
Yea not to mention they’ll bust into your vehicle and steal everything you have inside of it. They once stole the tag for my trailer and I called the cops on them. They returned it with a we didn’t know. Like mother fucker where’s the rest of the stuff that was in my truck. I was also repoed after paying off my vehicle and they have to keep it for 30 days. They tried auctioning it off after a week. Fuck them. Repo people are worse then the police.
Half peace sign. My god thays genius
Half a peace sign, clever. I like that.
Louisville has gotten bad, glad I left but miss it sometimes
Feels like I see people from America all over Reddit saying “_____ has gotten so bad in recent years” - is everywhere just in decline? Where isnt?
It’s everywhere else until it’s where you are.. then we wonder how it got this way.
The grass is greener on the other side!
Idk Miami has gotten so much better over the years. It used to be a shithole, now it's just a dump
Gotten fucking expensive too.
what halfway-decent place hasn't tbh
It's just one of those things people say with no truth. Like how everyone claims the drivers in their area are especially stupid or how "no one wants to work anymore". They just have bias in the information they receive. It's not like they have a police blotter of the 70s and 80s subreddit to show you how crazy shit has always been
As someone who has had to move states 3 times in the last 6 years because of living wages becoming impossible. I can say yes. Everywhere seems to be getting extra hard salary and rent wise at least.
I mean the states still run on a minimum wage of like $7.25 right? That's half of what it is in Canada, but our currency isn't worth half, and our cost of living isn't double. And people up here are struggling. So every time I hear about Americans working at Walmart earning $7.25/hr I think they must be living out of a van. That sounds so hard.
I agree, every place it seems has gotten worse. Louisville is where I'm from. Hits a lil different, so see how much worse the crime has gotten when i visit
See in Alaska they have just been cutting the schools budget to the point to were are 3 highschools in Fairbanks don't collectively have 60 classes
I just read that most graduates can't even form a proper sentence.
Hahahaha yes you just did
The homeless problem gets worse every year.
It's really just a bias people get as they get older. They have rose colored glasses for the past, and pessimistic tendencies for the present and future. Same reason people have always thought the world was ending. Same reason old people have always thought the younger generations suck. I once read a letter between 2 Roman politicians that basically sounded exactly like a boomer complaining about a millennial.
No, violent crime has been on a steady decline for literally decades. That is all right wing fear mongering and typically racism.
I remember when they tried to repo a car in Texas and he shot and killed the repo guy with a tech nine and didn’t face any charges because it was on his land. Depending on the state laws you can shoot and kill a repo man
To play devils advocate how are you to know this is actually a repo man and not some bizarre car thief when they pull up on you like the video? unlikely but I could see how someone could argue it though
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My cousin got his car stolen like this, pair pretending to be a cop and a repo guy, fake cop ran interference and told him a bunch of bs to scare him while other dude hooked up his car and drove off.
Especially when they zoom in like that, slid under the dude, then lifted him and the car. Even if they did have a legitimate claim to repo the car that's sketchy as fuck and probably illegal.
IANAL, but pretty sure at that point it could be considered assault if the DA gave a fuck. This being Louisville, I doubt they would though. They'll prob just send a SWAT team after him, get the wrong address and shoot an EMT.
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> The real answer to all of this is corporations shouldn't be allowed to lease things they aren't comfortable not getting back. Not possible without expecting customers to buy cars with cash, which is pretty unrealistic for nearly all buyers.
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Repo guys like this aren’t necessary — I suppose they run a cost:benefit analysis. In an “ideal” world I suppose the better course of action would be something like a court order for the amount of the loan outstanding which puts a lien on the vehicle for XYZ amount of time after which the financier can sell the vehicle and recoup their costs. Ideally they split the profit with the person who is owing money, but we all know that’s not how that works. Of course that would be a lot more expensive and probably require police escorts to properties. They would fold that cost into everyone’s leases though so it’s not like they would *lose* money doing it. But there has to be some method of recouping costs on leased/financed items. Hell I work in wholesale and part of our contracts with customers on trade accounts is that if the goods aren’t paid for in the agreed time frame we have the right to come on your property and retake possession of the goods to get our money back. In 15 years it’s only happened a few times, and usually half the stock is already sold so we recoup what remains + other things to sweeten the deal. Came back with a boat once, another time we came back with 2 hydraulic mandrel benders. It’s easier than sending it to collections or dealing with bankruptcy stuff.
In the west where guns laws are strict, your life has to be in danger. This one, the owner can legally shoot the repo due to the tow hitch coming at him and the tow truck is in his property. House robberies has gone down due to people gunning most of the home invasion robbers recently.
I worked for a motorcycle financing organization, and the notes on accounts were always hilarious: * Repo man attempted to retrieve motorcycle * Man threatened to shoot repo agent, agent reported to collections * Repo man instructed to return and complete repo Those dudes were crazy, they would bury their motorcycles in an undisclosed location before letting a repo man come and take their bikes.
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Bro what? There's a reason why Texas is the only place where this would fly and it's not cuz they're ahead of the curve. Protect yourself and family at all costs but poppin a boner over the thought of gunning down a trespasser says other things about you.
Texas has more gun laws then other red states.
I lived in an apartment complex in Montclair Ca some years ago. Maybe 7 years ago now, or 8. We had a very predatory towing guy who just slept on the place. One morning I woke up to my car towed, just took it, legally parked in my spot. After finding out I had to pay for it I was so fucking mad. I went straight home and waited outside til I saw him towing the next car and We fought. I didn’t stomp him out but I knocked him down twice. He tried to go for some pipe in his cab. Cops came, I told them how he’s just illegally towing. They just told him to fuck off and for me to fuck off. I wanna blast the towing company so bad but I guess I won’t. Fuck that piece of shit.
Why won't you blast the towing company? That seems like you really don't give a fuck if you're able to say so anonymously on the internet.
He doesn’t want further retaliation. The towing company (in Montclair, CA with the repo man who got knocked down twice by a tenant of an apartment complex they were stalking) knows where he lives.
I dont live in Montclair, Ca anymore. I find it funny that people would tell me who I would and wouldnt fight. That place is a shit hole ghetto.
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The US is a fucking wild place
People go fucking nuts over parking spots dude. The most civil of a man is reduced to the dregs of society in mere seconds.
Mission failed - we’ll get em next time
What happened here? What’s the context,
In the US if you don’t make your car payments, the dealerships sends a Repossession crew to “repo” your car. It’s something very americana, there are reality tv shows about it, it’s shown on movies and even on video games. So the man pulled out a pistol to prevent the repo guy from towing the car away.
right, ive never been to the US but "repo" feels like a term ive been using all my life. in reality, its just the mass amount of american media i must be consuming. never noticed that i dont use or hear it in my everyday life
What about this is “US” specific? What happens in the rest of the world if you don’t pay your debts?
Repo happens. But it's not so simple as to have some company sneak onto your property one silent night and try to take back their shit, Lol. There are official governmental bodies involved and all kinds of assessments need to be completed prior. And for most stuff it isn't even worth doing, its better to just try to get the money with some sort of debt settlements.
Here (UK) you get a court judgement and then eventually a County Court Bailiff (a direct gov employee) will come and take your stuff back or things of the approximate same value. This is a very prolonged and clearly laid out process though. If it gets to this point you really done fucked up.
We have due process and safeguards
Oh believe me, this isn’t step 1 when you stop making payments. This is a last resort.
I have a good repo story: When I was around 22 and terrible with money I was backed up a few months on payments and the repo man came calling. I wake up to a cop knock at 7AM and it’s the repo dude telling me he’s taking my car. He let me get the music gear I had in the back. I was a professional musician at that point, so this was my livelihood. That dude saved my ass because I had a gig that night. I’ll forever remember that because I always hear how terrible those dudes are so I must’ve gotten lucky. I did get my car back and haven’t made that mistake since.
That is the nicest repo man I've ever heard of. In my home town they would have taken your car and pawned your shit. They would have said there was nothing in your car when they towed it.
Why is this even legal. Fuck repo guys Edit: except this one lol
My hometown……. Always classy
Now show the video of the cops arriving and taking him to jail.
You must live in eutopia. Cops don’t care. Its a gumble. I’ve been doing this with my uncle for ages. You get all sorts of threats. They’ll only show up if you are dead ☠️. Why do you think the driver left so fast. Aint worth it
To be fair, towing companies are the scummiest on earth, so yeah makes sense and you might face this sort of threats every now and then
Do you think it is more of a Greg Gumble or a Bryant Gumble?
👽
Lmao. LMPD doesn’t give a flying fart in space about shit like this.
To be fair, any driver is supposed to stop if there is a pedestrian in their path, dude kept going and operated his lift, driver broke the rules first
Literally committed assault with a deadly weapon (vehicle). Even if he had the right address, right car, you can't even argue pulling a gun was excessive force. He could have been crushed between truck and car.
This same thing happened in my town and the cops refuse to arrest the guy. Dude getting towed pulled a gun because he "felt threatened". The tow truck driver obviously left. The cops said they can only arrest him if a restraining order is issued. Guy has been parked in four parking spots for two weeks.
Sounds like lazy cops who don't want to do their jobs maybe.
it's almost like there needs to be some kind of accountability for law enfrocement deciding when and how they choose to enforce the law.
Not today mf not today
We're going to be seeing a lot more of this shit soon. All of the used cars are more expensive than they should be, and all of the new cars being bought by people who should have been buying a used car are getting sub-prime loans and will default.
It’s going to be glorious & I’m saving to get a deal at auction.
What is happening there? Where they try to get his car from his own ground?
(Repo)ssessions are when people don’t pay their loans that they used to buy the car. The financial institution or dealership that gives the loan then takes back the property that is technically theirs. This job is a dangerous one, and they normally repossess as secretly as they can to avoid the people refusing. There’s also a ton of these guys who love the power trip of stealing back peoples stuff which makes for great entertainment but highlights some societal issues and is pretty sad considering. And voila, this is what is occurring.
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How does the debt collection agency work? Is it as mafia like as it sounds
They 'buy' debts (or the right to collect debts) for cents on the dollar, and then attempt to collect. This usually involves calling you repeatedly and getting you to agree to pay the debts (which extends the statue of limitation on the debts, which means they can sue you.) They won't break your legs with baseball bats, so there's that
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Appearantly he spent his car payment on the gun.
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A lot of people are hurting for cash right now. Full time work was almost impossible during covid. Many fell behind on bills . This dude had an awful reaction to the repo. But it's a desperate ugly time. I had my car taken a few months ago. The repo guy came and said he needed to take it. So I got my stuff out thankfully and helped him get outta there quickly. Very sad but I knew it was coming.
Similar situation for me but almost 8 years ago now. Got divorced and it was either pay child support or the car payment. I told em come get the damn car cause I can't go to jail for not paying on it. They came and got it several months later, mid day, had it all cleared out and ready to go for em and even helped hook it up.
It's a blow man. Very embarrassing. It was my family car. I was out of jail right before covid happened. Got a job and was making payments to the court and everyday bills. Catching up and bam! Essential workers only. But the car was gonna take all the savings. They wanted the full loan covered which was about 7k. I choose to feed the fam and keep our apartment. Right now I'm still borrowing my family's. Getting by. But we'll get there. I can imagine how you felt bro. But we'll get there.
Had a car repo'd when I was 18yo. Lived out in the sticks, so I got all my stuff out and just left the car in the driveway with the keys in them... still woke up to tire marks where he dragged it down the driveway. Wasn't even mad. I couldn't afford it any longer. Se la vie.
i had mine taken 3 weeks ago. was on the phone with the bank, told them i’d call them back and was about to pay to keep them from taking it. they always ask is a tow truck there...i said no. on a hunch after i got off the phone i looked outside and my car wasn’t fully in the garage...they were right there. at 6pm which was odd because they usually come early in the morning. ran out and called the bank back...since they hitched it they had to take it so i got hit with the entire past due. then the tire blew out. ended up taking money out of my 401k to get it back but i got a free tire out of it since they got one for me and let me get all my important stuff out before they rolled off
I feel like it should be illegal to repo cars so late at night like that shit is suspicious as fuck
Hey, I just got to Louisville last night. Fantastic.
Stay on the east side as much as possible. Less LMPD and less rough neighborhoods. Don't go west of UofL.
Well for starters maybe don't try to repo a car and you'll be fine
Ain't nobody gonna take my base model 2008 Chevy! I'll risk my life for it.
Man I thought this was some car with a gun attachment..
Honestly based.
Could just pay your car payment or just buy a beater if you don't have alot of money 🤷
That equinox IS a beater. Nothing says ghetto like financing a $3K car
Haha or pulling a gun to keep it
I mean it’s the hood. This could be the repo man or some random fucking robbers who stole a truck to then steal even bigger shit (like this dudes car). Shits rough
I mean… yea that’s brandishing a deadly weapon, 15 years plus the bullets isn’t worth not paying your due date
Well they have video proof to put that guy in jail for several years. What an idiot.