is yet another one of those states that are anything but consumer friendly in such matters (although they are better than many places). The only experience I have ever had with repo people was mostly pleasant. I had a car that I had financed through the dealership and because I was getting out of the army within a year of buying
it had (tried to be responsible and) paid double payments on it for the whole time. After 18 months of paying on a 36 month note I called in for the payoff thinking it would be a few thousand and I would be able to be free and clear upon getting out and be able to focus on the boat savings plan
When I called for payoff I was told it was aroudn 16 grand (about 4 grand more than the initial principle had been in the first place!). The whole thing turned into a big mess with the dealer, the finance company, and even the Tennessee AG's office apparently being all caught up in a series of auto finance schemes that targeted military personnel.
My lawyer finally advised me to let them repo the car since the cost of fighting the whole mess was quickly approaching a point where it was going to surpass what I had paid and what the car was worth.
In the end, the repo company was very nice and actually forced the lender to credit my balance for the REAL amount they got for the car at auction
and a few other things. The lender however was still as crooked as ever, and I ended up having to wait 5-7 years for a false 6 thousand dollar debt to drop off my credit report.
Oh well lol (yes I realize that this post probably is totally off topic now that I've finished writing it)