In fact, it was just a few hours ago at around 10 PM PST.

The repo man was a nice big guy, with tats all over. He was looking for someone with a similar last name. Poor Cap Two supposedly didn’t pay his bill for his Toyota Corolla, so the bank was forced to hire a repossession agent to get the car back.

He didn’t give us much of a fuss, since he was just tracking down possible locations of Cap Two (had a list of address with him). He apologized for the inconvenience and went on his way.

That was my first interaction with a repo man, and from what I’ve heard and read, this was probably one of the nicer ones out there (not that it’s an easy job, repossessing properties and all).

A friend of a friend had his car almost towed during the middle of the night by the repo men. After a heated argument, they finally figured out that they were at the wrong house — the same exact car can be found two houses down the block.

A quick Google search also reveals interesting stories of repo man knocking at odd hours, or not even bothering with the knock. One such story from the perspective of a repo man recounts how often he’ll find repo’ed vehicles straddled with contrabands.

Thankfully, even during my debt-ridden days, I never came close to having any repossession problems. So hopefully this will be my last and only encounter with a repo man. I understand the bank’s position and how difficulty the job of repossession can be for an agent, but I can’t imagine how it must feel for the person being repossessed — to have your car, house, or possession taken away, regardless if you’ve signed away your rights.

It’s probably too late for Cap Two to save his Corolla, as repossession is generally the last course of action a lender will want to take; but I sincerely hope that Cap Two will be able to get out of his financial hole eventually…