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(Local10 WPLG)   Repoman gets towed after he tries repoing a car with a driver still in it   (local10.com) divider line
    More: Florida, Miami-Dade County, Florida, Truck, tow truck driver, Automobile, BGM-71 TOW, Officer Michael Vega, Trucks, Miami Police Department  
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4196 clicks; posted to Main » on 26 Sep 2020 at 1:39 PM (4 weeks ago)   |   Favorite    |   share:  Share on Twitter share via Email Share on Facebook



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2020-09-26 11:37:37 AM  
good.  fark 'em
 
2020-09-26 12:08:48 PM  
Kidnapping is a crime. Pretty simple concept.
 
2020-09-26 1:42:21 PM  
Pretty intense, even by repo standards.
 
2020-09-26 1:44:52 PM  
Fark user imageView Full Size
 
2020-09-26 1:45:18 PM  
Is chasing a car backward down the street with forks extended a standard repo technique?
 
2020-09-26 1:47:46 PM  

edmo: Kidnapping is a crime. Pretty simple concept.


Or, just get out of the car.  it's not like they paid for it.
 
2020-09-26 1:48:40 PM  
Repo man's a dipshiat but why does a 17-yo have a newish Audi? While mom's going through bankruptcy?
 
2020-09-26 1:49:53 PM  
I say the family has a compelling argument to have their car debt suddenly erased.
 
2020-09-26 1:49:55 PM  
it takes a special brand of scumbag to aspire to be a repo man.
 
2020-09-26 1:50:19 PM  
I love Lorna Doones!

Fark user imageView Full Size
 
2020-09-26 1:52:04 PM  
Sounds like a tense situation
 
2020-09-26 1:54:18 PM  
BREAKING: Tow truck driver are assholes. Story developing.
 
2020-09-26 1:54:29 PM  

TofuTheAlmighty: Repo man's a dipshiat but why does a 17-yo have a newish Audi? While mom's going through bankruptcy?


Maybe this is WHY they are going through bankruptcy. Audis are expensive to fix.

I wonder if they remembered the Cheese Whiz
 
2020-09-26 1:55:52 PM  
Find One In Every Car - You'll See
Youtube 2Mxs6A1byIo
his view was obscured by the air freshener
 
2020-09-26 1:57:02 PM  
memegenerator.netView Full Size
 
2020-09-26 2:02:03 PM  
The Repo Code - Repo Man (4/10) Movie CLIP (1984) HD
Youtube xcJXT5lc1Bg
 
2020-09-26 2:02:41 PM  

Salmon: it takes a special brand of scumbag to aspire to be a repo man.


It's a rough life I knew a few when I was a PI then d pay me to find the persons address. They only get paid when they get the car. Here's the weird thing they were either total asshole scumbags or nice honest people doing a job there was no in between.  The Scumbags out numbered the honest people by 7-1, and the scum bags repoed many more cars than the honest people but the honest people got the higher end repos worth more money. If the agency thought the debtor could afford a lawyer or was a lawyer they sent the honest person.
 
2020-09-26 2:05:24 PM  

Gyrfalcon: Is chasing a car backward down the street with forks extended a standard repo technique?


If not, they should name the maneuver after this guy.

That was impressive as hell.
 
2020-09-26 2:10:36 PM  
Fark user imageView Full Size
 
2020-09-26 2:12:51 PM  

TofuTheAlmighty: Repo man's a dipshiat but why does a 17-yo have a newish Audi? While mom's going through bankruptcy?


Good question. Inability to make sound financial decisions might be a contributing factor to the bankruptcy.

It could also be they bought the car while they were financially secure but have since lost their job due to the pandemic and are experiencing financial hardship right now. An unexpected medical bill would do it too.
 
2020-09-26 2:17:35 PM  
Repo, and most towing really, strikes me as more punitive than corrective. How much does a bank really get back after fees and such? Wouldn't it just be easier to go after accounts or pay?
 
2020-09-26 2:20:01 PM  
Impound lots cost $250 a day last time I got towed.

They make an ass load of money one way or another.
 
2020-09-26 2:20:35 PM  

TofuTheAlmighty: Repo man's a dipshiat but why does a 17-yo have a newish Audi? While mom's going through bankruptcy?


Step 1: Have a middle class job.
Step 2: Buy a car for 20k or so, pay for it with a 3 year loan.
Step 3: Get cancer or get hit by a drunk driver
Step 4: Have your insurance company simply refuse to pay the resulting 500k in medical bills
Step 5: Suddenly that 20k loan's not happening either

Roughly 2/3 of bankruptcies are caused by medical debt, and most of the people bankrupted in this way had insurance. Our system is just that farked. Most of the rest of bankruptcy filers either can't work due to a long recovery from an injury or illness, or lose their job with the only major employer in the area, and suddenly there's 5x as many people as there are jobs.

People do of course go bankrupt because they simply can't control their spending or because they refuse to get a job... but both of these are in the minority of filers.
 
2020-09-26 2:20:53 PM  

TofuTheAlmighty: Repo man's a dipshiat but why does a 17-yo have a newish Audi? While mom's going through bankruptcy?


For a moment I thought the same. With the effects of covid on some of my friends that own small businesses, I'm not surprised.
 
2020-09-26 2:25:08 PM  
FTFA: '"The car was being repossessed for non-payment, but I filed for bankruptcy so that was a mistake on Audi financial's part, per my attorney,"

She can afford an attorney plus to give her daughter an Audi, yet has to be saved from the repo man?    That takes a special type of balls (yes I know owner is a woman) to say gee I've run myself into bankruptcy but my kid gets to keep her expensive Audi still, right?
 
2020-09-26 2:26:11 PM  

Gyrfalcon: Is chasing a car backward down the street with forks extended a standard repo technique?


If you got your early work experience as a paperboy who was owed $2.
 
2020-09-26 2:27:30 PM  

nanim: FTFA: '"The car was being repossessed for non-payment, but I filed for bankruptcy so that was a mistake on Audi financial's part, per my attorney,"

She can afford an attorney plus to give her daughter an Audi, yet has to be saved from the repo man?    That takes a special type of balls (yes I know owner is a woman) to say gee I've run myself into bankruptcy but my kid gets to keep her expensive Audi still, right?


Are you totally missing that someone tried to kidnap someone else?

Nice way to focus on the real issue here.
 
2020-09-26 2:31:12 PM  
Back in the 1980s there was a case in the DC area where a Repo guy physically dragged a driver out of her car at a busy intersection, whereupon she immediately had a miscarriage.

There was a big lawsuit.
 
ZAZ [TotalFark]
2020-09-26 2:31:44 PM  
Bankruptcy doesn't mean she can keep an expensive car. Bankruptcy means the court rather than creditors decides what to do with the car. But there are some complicating factors when there's a loan on the car.
 
2020-09-26 2:34:57 PM  

TofuTheAlmighty: Repo man's a dipshiat but why does a 17-yo have a newish Audi? While mom's going through bankruptcy?


She doesn't have the car, she was just the one behind the wheel. The car is the mother's, as evidenced by her saying that her (the mother's) bankruptcy filing should have stayed the repossession.
 
2020-09-26 2:37:03 PM  

MechaPyx: TofuTheAlmighty: Repo man's a dipshiat but why does a 17-yo have a newish Audi? While mom's going through bankruptcy?

Good question. Inability to make sound financial decisions might be a contributing factor to the bankruptcy.

It could also be they bought the car while they were financially secure but have since lost their job due to the pandemic and are experiencing financial hardship right now. An unexpected medical bill would do it too.


My initial guess was...
Fark user imageView Full Size

...that entire family's financial situation was much better, this time last year.
 
2020-09-26 2:38:08 PM  

The Irresponsible Captain: Repo, and most towing really, strikes me as more punitive than corrective. How much does a bank really get back after fees and such? Wouldn't it just be easier to go after accounts or pay?


On one hand, you can always get your vehicle back, so repossession is a good scare tactic to get some people to pay up and get their loan back on track. No matter how many times this must be done until the obligations are fulfilled and the loan is completed.

On the other hand, banks can get some money back from debtors who wouldn't otherwise pay anything by sending the vehicle to auction, and either have the debtor pay the remaining balance on the loan, or writing that loan off and have a collections agency pay pennies on the dollar for the debt. Because something is always better than nothing.

Yet repo'd vehicles always bring in far less money at auction since they're more likely to be at least mechanically damaged.
 
2020-09-26 2:41:13 PM  

mrparks: Pretty intense, even by repo standards.


The life of a Repo Man is always intense.
 
2020-09-26 2:51:28 PM  
Tow truck drivers are human trash and if they weren't so quick at stealing your car more of them would get put down.
 
2020-09-26 2:53:19 PM  

Salmon: it takes a special brand of scumbag to aspire to be a repo man.


Sure. Everyone should be able to buy things on credit, stop paying and just keep it. I am sure if lender called and asked them to bring the car in, the owners would be happy to ablige.
 
2020-09-26 2:55:17 PM  

libranoelrose: [memegenerator.net image 520x324]


According to the time stamp on your post, I'm an hour late.
 
2020-09-26 2:55:18 PM  

trerro: TofuTheAlmighty: Repo man's a dipshiat but why does a 17-yo have a newish Audi? While mom's going through bankruptcy?

Step 1: Have a middle class job.
Step 2: Buy a car for 20k or so, pay for it with a 3 year loan.
Step 3: Get cancer or get hit by a drunk driver
Step 4: Have your insurance company simply refuse to pay the resulting 500k in medical bills
Step 5: Suddenly that 20k loan's not happening either

Roughly 2/3 of bankruptcies are caused by medical debt, and most of the people bankrupted in this way had insurance. Our system is just that farked. Most of the rest of bankruptcy filers either can't work due to a long recovery from an injury or illness, or lose their job with the only major employer in the area, and suddenly there's 5x as many people as there are jobs.

People do of course go bankrupt because they simply can't control their spending or because they refuse to get a job... but both of these are in the minority of filers.


Regardless, debts should be paid or you give up the collateral.
 
2020-09-26 2:57:37 PM  

nanim: FTFA: '"The car was being repossessed for non-payment, but I filed for bankruptcy so that was a mistake on Audi financial's part, per my attorney,"

She can afford an attorney plus to give her daughter an Audi, yet has to be saved from the repo man?    That takes a special type of balls (yes I know owner is a woman) to say gee I've run myself into bankruptcy but my kid gets to keep her expensive Audi still, right?


Did I miss the part where the Audi was a gift?
 
2020-09-26 2:59:06 PM  

bfh0417: trerro: TofuTheAlmighty: Repo man's a dipshiat but why does a 17-yo have a newish Audi? While mom's going through bankruptcy?

Step 1: Have a middle class job.
Step 2: Buy a car for 20k or so, pay for it with a 3 year loan.
Step 3: Get cancer or get hit by a drunk driver
Step 4: Have your insurance company simply refuse to pay the resulting 500k in medical bills
Step 5: Suddenly that 20k loan's not happening either

Roughly 2/3 of bankruptcies are caused by medical debt, and most of the people bankrupted in this way had insurance. Our system is just that farked. Most of the rest of bankruptcy filers either can't work due to a long recovery from an injury or illness, or lose their job with the only major employer in the area, and suddenly there's 5x as many people as there are jobs.

People do of course go bankrupt because they simply can't control their spending or because they refuse to get a job... but both of these are in the minority of filers.

Regardless, debts should be paid or you give up the collateral.


Are you aware of how bankruptcy works?

Judging from your comment, I think I have answered my own question.
 
2020-09-26 2:59:56 PM  

caljar: edmo: Kidnapping is a crime. Pretty simple concept.

Or, just get out of the car.  it's not like they paid for it.


They filed for bankruptcy, and the resulting court order included their vehicle. While creditors have rights, debtors do, as well. If you're in the financial services business, you've included it as part of your risk management strategy, and you agree to follow the laws of any jurisdiction in which you operate.
Law and order.
 
2020-09-26 3:00:59 PM  

bfh0417: trerro: TofuTheAlmighty: Repo man's a dipshiat but why does a 17-yo have a newish Audi? While mom's going through bankruptcy?

Step 1: Have a middle class job.
Step 2: Buy a car for 20k or so, pay for it with a 3 year loan.
Step 3: Get cancer or get hit by a drunk driver
Step 4: Have your insurance company simply refuse to pay the resulting 500k in medical bills
Step 5: Suddenly that 20k loan's not happening either

Roughly 2/3 of bankruptcies are caused by medical debt, and most of the people bankrupted in this way had insurance. Our system is just that farked. Most of the rest of bankruptcy filers either can't work due to a long recovery from an injury or illness, or lose their job with the only major employer in the area, and suddenly there's 5x as many people as there are jobs.

People do of course go bankrupt because they simply can't control their spending or because they refuse to get a job... but both of these are in the minority of filers.

Regardless, debts should be paid or you give up the collateral.


IOW, Fark you, pay me.
Is that about right?
 
2020-09-26 3:03:15 PM  

TofuTheAlmighty: Repo man's a dipshiat but why does a 17-yo have a newish Audi? While mom's going through bankruptcy?


Mum's going through bankruptcy as the cheap way to get the 17yo a newish Audi.
 
2020-09-26 3:03:41 PM  

Creepy Lurker Guy: Back in the 1980s there was a case in the DC area where a Repo guy physically dragged a driver out of her car at a busy intersection, whereupon she immediately had a miscarriage.

There was a big lawsuit.


Hey, free abortion!
 
2020-09-26 3:08:55 PM  
Pay your bills, far less thrills.
 
2020-09-26 3:09:12 PM  

rjakobi: I say the family has a compelling argument to have their car debt suddenly erased.


Depends on the bankruptcy, and it depends on a whole slew of other laws.  My guess is that with a typical medical bankruptcy, the car would simply go to some medical association to be auctioned once the bankruptcy is done.  The real question is if they can file a lawsuit against the debt holder *after* the bankruptcy and keep whatever they can get.

If it weren't for the bankruptcy, I suspect that deal would get made fast.  It might not be legally compelling, but it would get a lawsuit over that would be much more expensive than a used (and crashed, see TFA) Audi.

/no idea on the worth of the car
//fark has told me you can keep a beater through bankruptcy
///but "an Audi" either isn't a beater, or likely to send you back into bankruptcy via repairs
 
2020-09-26 3:13:40 PM  
religion.ua.eduView Full Size
 
2020-09-26 3:16:38 PM  
As someone who declared a Chapter 7 bankruptcy over 10 years ago and didn't lose a single belonging as a result, including my car and other business assets, it's obvious most of you here don't know wtf you're talking about.
 
2020-09-26 3:17:12 PM  

Claude Ballse: The Irresponsible Captain: Repo, and most towing really, strikes me as more punitive than corrective. How much does a bank really get back after fees and such? Wouldn't it just be easier to go after accounts or pay?

On one hand, you can always get your vehicle back, so repossession is a good scare tactic to get some people to pay up and get their loan back on track. No matter how many times this must be done until the obligations are fulfilled and the loan is completed.

On the other hand, banks can get some money back from debtors who wouldn't otherwise pay anything by sending the vehicle to auction, and either have the debtor pay the remaining balance on the loan, or writing that loan off and have a collections agency pay pennies on the dollar for the debt. Because something is always better than nothing.

Yet repo'd vehicles always bring in far less money at auction since they're more likely to be at least mechanically damaged.


Or the creditor is just a douchebag(hi Wells Fargo!) who will repossess the vehicle even though you're sending them payments to catch up. I tried working with them. I wasn't that far behind and I was making payments in the process of bringing the loan current. They still sent the repo man. Some creditors would rather watch the world burn.

Don't do business with Wells Fargo. Or Citibank. Citibank will bury you until you're drowning in debt and you owe them many times what the original amount was(90% of it compounding late fees, penalties, interest, etc). Seriously. 1.5k debt ballooned to 10k in less than six months because of their bullsh*t. In the end they got nothing.
 
2020-09-26 3:21:30 PM  

mateomaui: As someone who declared a Chapter 7 bankruptcy over 10 years ago and didn't lose a single belonging as a result, including my car and other business assets, it's obvious most of you here don't know wtf you're talking about.


Yep. My roommate filed for bankruptcy a few years ago after racking up over $60k in credit card debt. Going out to eat to nice restaurants, etc. After the filing, poof it went away.
 
2020-09-26 3:25:01 PM  

Salmon: it takes a special brand of scumbag to aspire to be a repo man.


That was fast. Who forgot the lights?
 
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