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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.

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Q: Can repo man ring or knock on front door at midnight?
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Related questions

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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