Ok I have a question about this part you guys are arguing about. Say your behind on payments, and the bank sends out the repo guy. Your car is parked in plainview and you don't have a gate or fence closing off your property, so anyone can walk onto your property. So the repo guy is out there hooking up your minivan and you come out and exchange words. Repo guy isn't budging and home owner shoots and kills the repo guy. Home owner is gonna be in hotwater like Ersland correct? I mean the homeowner wasn't in fear for his life? He did exit the safety of his home and became the aggressor correct? The repo guy didn't break and enter, so its not burglary in the second degree. Doesn't the law say that he could and should remain in his home and call 911? I'm not 100% on the laws so I'm asking these questions because I'm curious. How would this play out in court? I know from a security guard pov you can't use deadly force unless you are arresting someone who has committed a violent felony which resulted in serious bodily injury or death.
Pretty much this. When the repo guy shows up, he will have the paper work in hand. At this point, the car belongs to the bank "by law". If the home owner comes out mad, you tell them to call the police. When the LEO shows up, you just hand him the paper work, verify the vin#, and the LEO is going to tell them to get their stuff out and go inside. Alot of times, if it is going to be hard to get, I would call the P.D. before I left and let them know where I was going and the vin# of the car. This way if someone seen you and called it in stolen, you are good. The LEOs will tell them that it is a repo. I have a friend who had been doing it about 15 years when he tought me.