Arizona repossession laws are quite simple. Once the vehicle is put out for repossession, the repossession agent will attempt to locate it. Once the unit is found, he will secure it on his truck. He may, if he is kind, contact the borrower and offer to let him retrieve his personal property in exchange for the keys. He is not required to do so.
He may not move other vehicles to unblock a vehicle.
He may not open a closed structure to secure the vehicle.
He may not knock on your door after 9:00 pm or before 8:00 am. He may contact you at work 24/7 though.
He may not enter reservation land to secure the unit UNLESS he has specific permission from the tribe to do so.
He may not secure the unit from federal land UNLESS he has the proper licensure to do so.
Finally, after the vehicle is sold at auction, the purchase price will be applied to the outstanding balance of the loan. This in most cases will not pay the balance, therefore you will need to pay the unpaid portion, plus fees and repossession costs. If you fail to do so, the lender will likely seek judgment against you and then for the next ten years afterward you will have little choice in how the outstanding balance plus court cost, legal fees, and collection cost is recovered.
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