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(#1) Get Them Drunk So They Don’t Cause Trouble
From Redditor /u/UpperManglement:
Many moons ago I had an employee who had previously been a repo-man. His best story impressed me with its ingenuity.
He had been tasked with repossessing [a] vehicle from a number of unsavory folk. Instead of endangering himself, he simply arrived at the property with a large volume of inexpensive liquor and told the debtors that they had won a contest from the local liquor store.
He returned about 3 hours later and removed the vehicle without incident.
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(#2) Shrugging Off A Bullet To The Chest
From Redditor /u/_PM_ME_WEIRD_S**T_:
I used to repo cars in the past. I've had guns pulled on me a few times. My old boss told me that if they don't come out shooting, they probably aren't going to shoot you. It's been pretty true.
My buddy had an owner run up to his truck, put a gun in his window, and [shoot] him once in the chest. My friend is a big guy, so he took it pretty well. He just hit the gas and took off.
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(#3) The Truth Comes Out
From Redditor /u/fargaluf:
My friend did repos for awhile and he told me a story of going to repossess two brand new cars from an address in a nice, suburban neighborhood. The goal was always to just get in and out fast and, if possible, avoid any contact with the owner. For this reason, they took two trucks [hoping] they could each grab a car and get out quick.
While they were hooking them up, a guy came out and asked them what they were doing. My friend stressed that the guy wasn't pissed, more confused than anything. He told them they were repossessing his cars, and he showed them the order from the bank.
As the guy is staring at the order utterly incredulous, his wife walks out the door behind him. The guy turns to her and says not in anger, but again just in confusion, “I've been giving you $800 a month to pay for these cars. What the hell have you been doing with it?"
The woman just started sobbing, and my friend said to his coworker, “Let's get the f*ck out of here...”
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(#4) It Can Be A Deadly Job
From Redditor /u/Fantapants42:
I baby sat for a man who worked in a repo job and one of the worst stories he had involved this lady going crazy. So one of his coworkers was called out to repo a woman's truck. The man gets there [and] starts hooking up chains and all the equipment.
The lady comes running out of her office, jumps in the truck and speeds off. Little did she know... the repo man had accidentally chained himself to the back of the truck. She drug him for almost a mile and ended up killing him.
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(#5) There's Never A Boring Day When You're A Repo Man
From Redditor /u/DocOcarina:
A woman who was about to have her car repossessed jumped between the tow truck and her car, and shouted that she was 8 months pregnant, and if the guy wanted the truck, he'd have to run over her and be a baby killer.
A debtor was having his truck repo'd, so he got in his other car, and ran over the tow driver while he was hooking the truck up.
A driver hooked up a woman's car, and she freaked out, screaming that her wallet was in the back seat. The driver let her open the door to get it, and she jumped in the back seat, and said she wasn't leaving. The driver shrugged, and drove to their storage lot a couple of miles away, with her screaming in horror the entire way. Wasn't 100% allowed, but I totally enjoyed the story later.
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(#6) Getting Creative Around The Holidays
From Redditor /u/starchaser57:
My company doesn't do this anymore, but... my repo company used to find most of [its] cars on Christmas, Christmas Eve, or Thanksgiving. Everybody goes home for the holidays. He has picked a few cars up at mama's house. Now our company has a repo freeze around the holidays.
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(#7) People Will Go To Great Lengths To Get Out Of Paying
From Redditor /u/starchaser57:
This is my all-time favorite repo story. Years ago we had a customer that took out a loan for a vehicle. In the beginning this customer paid very well but all of a sudden her payments kept getting further and further behind [until] she was way behind and in trouble. She called the manager to talk to him about what she could do, and told my manager that her son had heart problems and was in a local hospital that specializes in children.
We worked out something for her but she still did not make payments. She came into the office when the other lady and I were the only two there. She told us all about her son's illness and that he may need heart surgery. Her son wasn't even school-age. We'd seen that child. He had come into the office with his mother more than once. We were heartbroken for this lady. She was crying and we were crying with her. I asked if [she would] like my church to pray for her child and her family. She said she would.
Although no names [were] used, a person we knew thought they recognize[d] the family. He went to speak to the family. Later he told me that he must've been wrong because the child of the family he knew was perfectly well.
When he told me the name of the family he went to, I knew that was my customer. She had been lying to us about that child this entire time. Not only was that child not in the hospital, but he had never been sick. Her husband didn't know she even had this loan. He certainly did not know that his son was being used as an excuse for not paying this loan.
My repo company repossessed that car on the parking lot of Toys ["R"] Us on Christmas Eve. It had Santa Claus in the backseat. I still think about that stupid woman and I wonder if she and her then husband are even still married.
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(#8) Quick Reactions Can Save Your Life
From a Redditor:
Craziest one. I was doing a solo contract on a $120k motor home, I had a set of keys so I figured [it would be] a quick in and out job and it was, got in and out in 5 minutes.
So I'm cruising back to the lot to return it, a 20 mile jaunt, and about 5 miles into the trip [I'm] jamming on some music and I [feel] a cold gun barrel against the back of my ear... Some old dude said pull over or I'm dead and instinct kicked in, I slammed on the brakes and dude slams into the dash and windshield and ends up shooting himself in the gut during the brake test and dies.
Turns out it was some dude frogging the owner's wife in his motor home, so she gets busted and her hubby loses his motor home in one night. Good times, crazy people.
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(#9) People Shoot At You A Lot
From Redditor /u/DocOcarina:
Guy had just pulled out of the driveway with a debtor's truck, and the debtor charged out with a rifle and shot at him. The driver dove out of the truck and called the police, and the debtor was arrested. A couple of weeks later, we got a call from the debtor that he had paid off his truck and got it back, but he wanted to report damage to the vehicle caused by the driver. The damage? A bullet hole.
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(#10) Tricking The Debtors Is A Good Tactic
From Redditor /u/PerilousAll:
This guy I knew worked for a collection agency for car payments. He would just call them up, offer some hell of a good deal if they'd come down to sign the papers, then have someone repo the car out of the parking lot while they were inside talking. He had security at the door so they couldn't get back in once they figured it out.
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(#11) Sometimes You Have To Be On The Wrong Side Of The Law
From Redditor /u/cyberrico:
I've seen people park their cars 2 miles from their house to throw me off. You own a car, sort of, yet you walk 2 miles to and from your car to keep it from being repossessed? I've found cars up to a mile from their workplace.
The best one was a woman who parked her car in the garage at home and in a secure garage at work. I parked my truck a couple of houses down and slowly walked by her house around the time that she left for work. The garage door opened, she started her car, she goes back in the house for something and I jumped in her car and drove away. It was completely illegal for me to go in her garage but the possibility of losing that awful job was worth listening to her scream at me at the top of her lungs as I screeched out of there.
I only repossessed cars for 6 months but I have endless stories of getting shot at, beaten up, chased by thugs, you name it.
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(#12) There Are Caring Repo Men
From Redditor /u/Human_Evolution:
It's pretty rare when I feel bad for someone that I am repo'ing. When it is the debtor's last payment that they are late on that is sad. Some banks will have the unit repo'd even if it is the very last payment that is late. I let one guy slide, I told him to block his truck in and pay the bank because my coworkers [would] be driving by his house later on. He was around $300 away from owning the vehicle. Some lenders see people as dollar signs rather than people.
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(#13) Too Drunk To Escape Properly
From Redditor /u/CountryGirlInHerFORD:
Maybe the guy who was so drunk he ran a stop sign at a "left or right turn only" stop, and hit a church? Then called us, begged us not to call the cops on him, and pointed out his house up the road to prove he was okay to make it back.
Maybe the car we repo'd from a well-known drug-infested apartment complex? We let them come by to get their stuff from the car and they came and picked up a bag full of drugs from the trunk (they checked to make sure all the drugs were there). They left the rest of their belongings though, including a baby's car seat and a photo album.
Maybe the car we towed from a private lot across the street from a sex club? The couple came to retrieve it dressed in crotchless and topless leather sex outfits. The woman then offered my coworker a bl*wjob and to let me f*ck her man if we released the car back to them for free. She was quick to pay when that was denied.
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(#14) Even Elderly Women Can Be Frightening
From a Redditor:
My funniest one was me doing a contract on a nice Caddy Seville, not even 6 months into the loan to some lady. So I find it and am trying to get into the car as the key I had [was] not working, and next thing I know I hear in a frail old lady voice “freeze you b*stard.” I turn my head to see a [5-foot-tall], 100 year old lady with a huge revolver shaking to even hold it.
I talked her down to the point [where she said], "oh screw it, take it," [gave] me the gun and [went] back in the house, then [came] back with the keys and some cookies. And yes the cookies were awesome.
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(#15) You Find A Lot Of Weird Stuff
From Redditor /u/Human_Evolution:
Last week we found a big Dirty Harry revolver under a seat of some old man's car. He said it was not registered. Like all guns we find we have a cop show up and take it away. I assume they will be questioning that man soon. I've found sex toys, naked pics of the debtors, drugs (everything you can imagine) and all kinds of bizarre stuff. I have a shrine in the shop of all the crazy things I find in expired property. The shrine is getting big.
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About This Tool
What should be clear is that the job to take things from people who are not paying for them is not always interesting. If the debtor fails to fulfill its contractual obligations, security interest holders in all 50 American states generally have the right to repossess the goods. Repo men and women have to deal with this seemingly simple task every day that is often arduous and dangerous. Some debtors may be violent, which forces repo men to take precautionary measures to repossess purchases and protect themselves.
The random tool shares 15 true stories of repo men that will let you know more about these bizarre jobs, it is normal that quite a few repo men have exhibited rather callous behavior.
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