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can they really take the things in this way?

A friend of mine got in way over her head with soem of those loan companies that charge high interest rates. Not exactly the payday loans where you pay every 2 weeks, but places that you make monthly payments too and they want personal belongings such as tv, vcr, and stuff for collateral. Anyways she stopped paying them and they came to take possession of her things. She says that they went into the house when no one was home and took the things. SHe said that her house wasn't locked, but didn't think that they should have done it that way anyways. She admitted to avoiding there calls and ignoring them. So did they have the right to take the things in that way?

Answer Question

Asked by Anonymous at 12:19 PM on Jun. 2, 2009 in Money & Work

Answers (8)
  • They did enter someone elses property, but to take something that belonged to them, I don't think you could fight it, it's like your so gives you a diamond ring, you brake up and he keeps it with him, and you open his door that wasn't locked and take your stuff back

    Answer by Anonymous at 12:26 PM on Jun. 2, 2009

  • Yep. That's what collateral is. If you don't re-pay the loan and you ignore their calls they can come to collect. Unless they took something that was not collateral she's got nothing to complain about.

    Answer by 2autisticsmom at 12:27 PM on Jun. 2, 2009

  • I'd call the police station and ask them. I know they can reposess a car from your yard but I didnt know they could break in (locked or not locked its still breaking in) to get their stuff.

    Answer by itsmesteph11 at 12:54 PM on Jun. 2, 2009

  • I agree with the person before me she should def call the police and ask them. They shouldn't have been allowed to just enter her house like that, however if they had no other way to get a hold of her what were they supposed to do. As long as they only took what they were supposed to get. But I would feel violated if someone just entered my home witout permission

    Answer by CaliMama88 at 1:22 PM on Jun. 2, 2009

  • Are you sure she is telling the truth about them just coming in? If she was dishonest enough to avoid calls and not pay it is likely she is lying about them coming in her home. They more than likely came with the sheriff got what now belongs to them and moved on with their day. If she isn't lying she would have already called the cops.

    Answer by Anonymous at 2:00 PM on Jun. 2, 2009

  • I can't imagine why she would lie to me. Its not like i care or would have known her stuff got taken unless she told me. I do know that she works and doesn't get home untill like after 7 or 8 at night. And that she really doesn't ever lock her house. But i would have thought it would be tresspassing to enter someones home to take stuff (even if used as collateral) if they wernt home. I mean there are other personal belongings in there. Or i would have thought they would have had to send the sherrif or something. But i can't be 100% because you never really know someone. But i mean why lie to me about it.

    Answer by Anonymous at 2:18 PM on Jun. 2, 2009

  • If she owes them she owes them. However, that is breaking and entering and I would file a police report right away. She should not have left her doors unlocked so I don't know what the cops will do with that information. But she should file a report in any event.

    Answer by salexander at 2:29 PM on Jun. 2, 2009

  • I don't think they can go into your home without the police. But if they police were with them, then yeah- I think they could just walk right in and grab what was theirs. It seems like they would need a court order to do that though...

    Answer by Erica_Smerica at 4:36 PM on Jun. 2, 2009

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