Hiding a vehicle to avoid repossession is generally not a felony, but it is illegal in many places, often classified as a crime (misdemeanor) to conceal property with a lien. While it typically triggers contract violations rather than immediate jail time, intentionally hiding the car can lead to criminal charges, fines, or court orders for contempt.
In most states, taking these actions won't violate any laws, unless you do it with the intent to defraud the bank. For example, if you normally keep the car locked up in your garage, you can continue to do so. In some states, however, deliberately hiding a car from the repossession company is a crime.
In Wisconsin, your lender can only repossess your car if you are in “default” on your loan agreement. This typically means you are more than 10 days late on more than one full monthly payment. However, the specific definition of default might vary depending on your loan agreement.
In most states, your lender can sue you for a deficiency judgment to collect the balance owed, as long as it followed the rules for repossession and sale.
So how long will a repo man look for a car? The answer is simple — until they find it. Therefore, rather than hiding your car, it's probably a better idea to look for different solutions to stopping repossession.
Vehicle repossessions are a civil matter, not criminal which why it's done by a repossession company not law enforcement.
Repossession happens when a lender takes back a car because the borrower has fallen behind on payments. Repo agents use personal details, social media, and tools like GPS trackers and license plate scanners to find vehicles.
You cannot be arrested or go to jail simply for having unpaid debt. In rare cases, if a debt collector sues you to collect on a debt and you don't respond or appear in court, that could lead to arrest. The risk of arrest is higher, however, if you fail to pay taxes or child support.
Repossession law prohibits a repo man from committing a “breach of the peace” during the repossession process. Breaching the peace during an auto loan repossession can include using physical force or threats of force and breaking into locked buildings. All laws on repossessing cars prohibit breaches of the peace.
Hiding your vehicle could make things worse
Locking your vehicle in a garage won't work either. The repossession company can get a court order for you to open it, and if you refuse, they can bring the police to force it open.
2021-2022 most repossessed car and truck (in order)
If the repo company cannot locate the vehicle, the lender may seek a court order, called replevin, to require you to turn it over. Hiding the car can delay the repossession process, but it often leads to more legal and financial consequences.
Repossession Affects Your Credit
It is best for you to proactively address the situation and work with your lender to avoid repossession. But, if you have no other options, remember this is not the end of the world, and there are ways to rebuild your credit.
You should pay off a repossession if you want your vehicle back (by paying the full loan + fees) or to avoid a large deficiency balance, which lenders can sue you for, but it won't erase the negative mark from your credit report immediately; paying it off might help you negotiate a "pay-for-delete" or at least stop collections, but your main goal is to stop further financial damage and collection calls.
That doesn't necessarily mean your vehicle will be seized within a few hours of a missed payment. Most states have grace periods in which you can pay up. Such grace rarely extends beyond 15 days. Lenders generally try to avoid sending Repo Man in search of your vehicle.
You may be able to pay to delete a repo. Contact your lender to see if they're willing to negotiate payments on what you owe. If they agree to a pay-to-delete and you pay the agreed amount in full, they'll request that the credit bureau(s) remove the repo from your credit report.
If you weren't notified that the lender or leasing company was planning to repossess your vehicle, they'll most likely return the car to you if you pay the outstanding balance and repossession fees. If you were made aware of the impending repossession via phone conversation or written notice, it may be more difficult.