the repo man was here last night i think he snuck in through the doggy door in my garage. he spilled a bucket of paint befor he left with my car. theres white tire tracks down my driveway and i can follow them for a half a block or so. i dont know if what he did is legal. my bank be closed today i dont know where my car is, he didnt leave a note and i gotta go somewhere tomorrow.
General Practice Lawyer
In Michigan a lender may send a recovery agent to retrieve a vehicle that is in default of payment as soon as the default occurs (even one day late) unless the loan document states otherwise. However, the recovery agent is not allowed to breach the peace in the course of recovery. Breach of peace occurs when the recovery agent picks or opens a locked gate or garage. A recovery agent does not have the right to break into your garage to get your vehicle. You should contact the police to report the incident (especially since you do not know if this is the creditor or someone that stole your car) and you may want to contact an attorney to speak about repossession and the laws that govern these matters.
The above answer is only for reference and general information only. An Attorney-Client relationship is not created through this information. ALWAYS seek the counsel of a licensed attorney. NEVER use the Internet as your attorney or information found on the Internet for legal advice.