Like I always say, car repossession is not something you will wish even your worst enemy. But a car due for repossession must be repossessed regardless of whether the repo man has the key or not. So how do they repo a car without keys?
How Do They Repo a Car Without Keys?
Here’s how they can repossess a car without keys:
1. By Using a Tow Truck
The most straightforward method of repossession without a key is through the use of a tow truck. Repo agents usually use flatbed or wheel-lift tow trucks.
If the car is parked in an accessible location, the tow truck operator will position the truck so that the car can be lifted off the ground without needing access to the interior.
For example, if the car is front-wheel drive and the front wheels are locked (due to the steering lock), the repo agent might lift the rear wheels and tow the car in that manner.
Also, if it’s a rear-wheel-drive vehicle, the front wheels would be lifted instead to allow the car be taken away swiftly and efficiently,
2. By Using Slim Jim or Lockout Tools
If towing the car isn’t immediately possible, or if the vehicle is in a difficult-to-access location, the repo man might use tools to unlock the car.
A common tool is the “slim jim,” which is a flat, metal strip designed to slide between the window glass and the weather stripping of the car door.
The repo agent will manipulate the tool to hook the lock mechanism inside the door and unlock it. He can also use other lockout tools, such as air wedges to create a gap between the door and the frame, thus, allowing access to the interior lock controls.
However, one thing with using this method is that it requires skill and experience, as improper use of these tools can damage the car, which the repo company wants to avoid.
3. By Using a Repossessor’s Key
For more common car models, a repo man may have access to a generic or master key, sometimes referred to as a “repossessor’s key.”
These keys are designed to work with a range of vehicles from specific manufacturers. They might not start the car, but they can often unlock the doors.
In some cases, if the repo agent can gain entry to the vehicle, they might also be able to start it using advanced key programming devices that can override the car’s ignition system.
4. By Using Onboard Computer Access and Remote Unlocking
With the advent of modern technology, some cars can be accessed and controlled remotely. Repo companies might have agreements with lenders to access the vehicle’s onboard computer systems.
This could allow them to unlock the doors remotely or even start the car in some cases. This method is useful for newer cars equipped with sophisticated electronic systems.
Moreover, many modern vehicles are equipped with GPS tracking devices installed by the lender as a condition of the loan.
These devices allow the repo agent to easily locate the vehicle and sometimes disable it remotely, preventing the owner from driving it away and making the repossession process smoother.
5. By Hiring a Professional Locksmith
If none of the above methods work, repo agents may call in a professional locksmith. The locksmith can create a new key or bypass the vehicle’s lock and ignition systems.
This method is more time-consuming and might be used as a last resort, especially for vehicles with advanced security systems that resist other forms of entry.
6. By Using Electronic Disabling Devices
In some cases, the lender may have installed an electronic disabling device in the vehicle when the loan was issued.
These devices can prevent the car from starting, making it easier for the repo man to take possession without the need for keys.
When the disabling device is activated, the vehicle becomes immobile, and the repo agent can then tow it away without much resistance.
7. By Entering An Already Unlocked Car
Some people don’t lock their cars for reasons best known to them while others claim to forget to lock theirs. Some even went to the extent of thinking that the car was locked without knowing it was not locked.
If a repo man comes to repossess your car without a key and finds it unlocked, you have obviously made the repossession very easy for him.
He will however proceed with the repossession without the key. Even though the car won’t be on, he can just roll the car till it gets to where he can easily have it towed.
Be that as it may, once the repo agent has gained control of the vehicle, it will be transported to an impound lot or a secure location designated by the lender.
The car will then be held there until the owner either pays off the outstanding debt or the car is sold at auction to recover the loan amount.
Furthermore, throughout the repossession process, the repo agents must operate within legal boundaries, ensuring that they do not breach the peace or violate any laws related to property rights.
This usually means repossessions are done quietly, especially late at night or early in the morning, to avoid confrontations with the car owner.
Conclusion
Repossessing a car without keys is possible and can be achieved through the use of a tow truck, slim Jim or lockout tools, a repossessor’s key, a professional locksmith, etc. The goal is to recover the vehicle quickly and efficiently while minimizing damage and avoiding legal issues.
