Can they come to my

Unfortunately YES. Hard collection is allowed for secured debt.

Thanks for your prompt response Stan, I appreciate it.

Is there any way to stop them?

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They will always try to get it at your home first. If you keep the car in a garage, are hiding it, or if they are otherwise unable to get it - then they will do a stake out and take it whenever/wherever they can.

They are generally able to go onto your employer's parking lot to get the car, UNLESS your employer tells them to get off the property. Usually by the time a boss/manager/security goes out to see what's happening, they've already got the car and driving away with it.

Since a repo guy usually doesn't get paid unless they actually get the car, they do work very hard to get it. I have seen them wait outside a person's house at 5AM until she pulled out of the garage, they followed her to Jewel and took the car while she was inside shopping.

If you think your account may be in danger of a repo, your best bet is to call the lender and make some sort of arragements before that actually happens. While you have the car, you still have some cards to play with. Once they get the car, all the cards are in their hand and they will be very hard to work with.

Good suggestion by Debt Cruncher, make some arrangements with your lender.

To reposses property in oklahoma you can ask the repossesser to leave your property and force them to go to court to get a replevin order

True. Most states will say that a reposessor cannot create a breach of the peace. So if you run outside with a baseball bat and threaten to get in a fight, the repo guy should leave before he breaches the peace.

However, when a lender has to go to court to get a replevin order, who pays the court costs? I guarantee the lender will tack all those costs onto the loan balance. (Plus in Illinois a corporation cannot file pro se, so the attorney will throw $350 on there too). It could end up costing you lots of money to put up such a fight, and in the end they'll get the car through court order anyway.

They can come to your job and repossess your car. Maybe if you make payment arrangements with the creditor, you should be okay.

I didn't realize this but I can borrow money out of my retirement to pay for a car that is about to be repossessed. That might be an option you want to look at. It will cost you as you will be penalized for it.

They will usually repo it when your are least expecting it. It is not hard to find out a persons routine, especially if you have a general routine that you follow everyday. That shopping trip one has been done more than once. Any place they do it is embarrassing, you should call the lender and try to work something out if you can, if you want to keep the vehicle. Goodluck.

what are the consequences of not being able to return an automobile under my name because someone else who made payments for it does not want to turn it in? in miami?

Is this 3rd party on the note in any way or are you the only one on the account? Do you know where the vehicle is? Is it at the stage where a Repo is imminent? Your credit rating sounds at risk. Regardless of whether the car is repo'd or not (vehicles can be hidden for years) it is still going to hurt you. Your best bet is to get any skip info to the creditor so the car can be taken back. If you can then bring the note current, then you can work form there. If it is sold and a deficiency is realized, you will be responsible for that in total.

thank you for your response. What are the consequences of not being able to return an automobile under my name because someone else who is not on my account but was making payments for it does not want to turn it in? I do not know where my vehicle is. The repo company has notified me that a court order will be next. in florida?

Sounds like to me that person either stole your car or your identity even if you originally agreed to it. If they kept the payments current they might have a claim but just because they made a few payments does not make that car theirs if all the legal documents are in your name. I would tell the car company someone stole your car and give them all the info you had about that person in hopes that they could find the car. I would also consider filing police reports. Unfortunately none of this will fix the repo problem. That car will be repoed at some point and you will owe the full amount minus whatever they sell it for. If they never recover the car then you will still owe the full amount.

Am i able to file a stolen automobile report if i originally let someone else pay for an automobile under my name but now that person does not want to turn it in to be repossessed?

Yeah you can file one. They are supposed to be making the payment and they are not making it and hiding the car. It might help you recover the car if you report it stolen. The cops will hold the car if they happen to pull the driver over and see that the car was stolen in their database. You might need the license plate number and the VIN#. It really doesn't matter that the person is was making payments via a verbal agreement because as long as the car and car loan are in your name then you have full authority over that car.

Not true. If you allowed them to take the car it is not stollen. At the very most it would be unlawful use. However, there is a term for your delema. It is called a "straw purchase" and puts you in default of your loan immediatley. It is a civil matter and the police will not get involved. You could have the vehicle repossessed on your behalf and get current with the lien holder or just tell the lien holder as much information as possible on the person and let them pick it up. If you choose the latter, then you will be responsible finacially for the recovery and deficiency ballance if any. Sometimes (rarely) it sells at auction for more than what is owed. In that case you are owed that difference from the lien holder.