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Yes, per the FDCPA (Fair Debt Collections Practices Act) contact can only be made from 8:00 AM to 9:00 PM seven days a week, at your home. There is no restriction on contact at your place of employment. Here's the thing, in most cases, if it is 10 or 11 o'clock PM and the repo agent sees your lights and TV on, he may do you the courtesy of letting you remove your personal items in exhange for the keys. Two reasons for this: first, if your personals stay in the car you will pay a storage fee to get them back; and second, with the key he can more easily unlock the shifter and steering column and can more safely tow your vehicle. The second part is important to you because if you redeem it, you will not be redeeming a stripped transmission/differential or wrinkled fender.

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Q: Is there a time restriction where the repo man can't knock on my door?
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Can a repo man knock on your door when trying to repo your car that's not there?

Yes, they can knock on your and attempt to contact you. what the lastest time they can do that


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Laws on this (and interpretations of those laws) can vary in different jurisdictions. In some states, there is a law dictating "peaceful repossession", and knocking on a door at midnight might be considered in violation of that.


Can a repo guy legally knock on your door at 12 midnight in Californi. Remember I said legally... I also am barely 2 weeks late. Doesn't need to be 30 days?

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