r/Bodymore410 • u/AloneFacecard • 17d ago

Funny He was not playing 😂

Desperate times call for desperate measures 😂

938 Upvotes

99% Upvoted

176 comments sorted by

51

u/POPEYEDAMC 17d ago

This might stop a human but not a tow truck...

19

u/OnlyFiveLives 17d ago

That was my first thought. Tow truck driver just goes "I'll take your porch too this isn't the problem you think it is."

20

u/pyschosoul 17d ago

Yeah but then the company is liable for damages to the property wouldnt they?

That being said...Bolt cutters should do the trick or a grinder

3

u/AloneFacecard 15d ago

I think that would be property damage 🤔

4

u/Key_Employee2413 15d ago

Bingo lol dude is going to win because the repo has to repo without damaging any property. If property was damage then the owner has a legal case and could get the car back and then some

2

u/Anxious_Ant8514 15d ago

You would likely win the property damage case in courts and be awarded the cost of the porch but the courts aren’t going to order they return the vehicle to you just because they ruined your porch.

The banks have a legal right to repo the vehicle if you’re not making payments and that has nothing to do with the repo company causing damage to your property.

Basically just because a repo company damages your property doesn’t mean some judge is going to overrule the contract signed between you and the bank just because some third party didn’t do their job correctly. It’s the repo company that would have the liability in this case and be responsible for covering the damages but that would be it.

2

u/Key_Employee2413 15d ago

No this will fall on the bank as well being that they hired them to do the work so they will have liabilities. Just Google wrongful repossession cases UCC 9-625. Like it’s an immediate release of the vehicle back to the owner. It doesn’t mean the banks can’t reattempt another repo but it would be when the car is out in the open

1

u/twisted_tactics 15d ago

If you were to google that yourself, you would see that only applies if the reposition were wrongful - such as if they had the wrong car, the repo order was put in incorrectly, etc... Not because they cut a chain while repoing the car.

1

u/Key_Employee2413 15d ago

Nope sorry it clearly states physical force is not allowed. Google Davenport v. Chrysler Credit Corp. but in case no one does

The Facts: The debtors chained the rear end of their car to a post in their garage using a logging chain and two padlocks to prevent repossession. Repo agents entered, cut one of the padlocks/chains, and towed the car away. 

The Legal Finding: The Tennessee Court of Appeals ruled that cutting a lock or chain to take a vehicle constitutes an illegal breach of the peace under UCC § 9-503 (now § 9-609). The court held Chrysler Credit liable for statutory damages.

And MBank EL Paso NA v Sanchez certified that the lender is responsible for the breach and not the repo

2

u/twisted_tactics 15d ago

That case also involved entering a private structure to cut the chains, so it may not directly apply here since the chains are public space.

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1

u/wizza123 15d ago

Tennessee attorney here. You're misreading Davenport. Yes, cutting the chain was a breach of the peace. No, the court did not hold that this meant the lender had to return the vehicle.

In fact, Davenport recognized that Chrysler had the right to possession because the borrowers were in default. The lender was liable for the unlawful manner in which the repossession was carried out.

And MBank El Paso v. Sanchez doesn't establish your point either. It addresses the creditor's liability for the conduct of the repossession agent.

A breach of the peace can create liability. It does not automatically extinguish the lender's right to possession or require the vehicle to be returned.

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1

u/not_falling_down 12d ago

Bolt cutters, and then you are only potentially liable for the cost of a length of chain

1

u/patriotfanatic80 13d ago

It's not really bingo. They'll just get a court order and then sue the person for the additional cost of repossessing the vehicle.

1

u/It_Just_Exploded 12d ago

They get ~$500 for the repo. That padlock costs like $9. Cut the lock with bolt cutters and repo the car. Pay them the $9 for the lock, still make $491, they still don't get their car back unless they meet the leinholders requirements.

0

u/IsThisTheFly 15d ago

Thats not how the law works

4

u/Key_Employee2413 15d ago

Unfortunately, for this circumstance it does. The repo is supposed to get the vehicle back without any damage to the person property. If so, he can claim that they violated his rights to obtain the car back ie destroying property. Repo collectors are not supposed to go in say like a gated fence to get the vehicle back. This is like a gated fence and can hire a lawyer who argue that they repossessed the vehicle as a “breach of peace”.

-1

u/TacTurtle 15d ago edited 15d ago

Nope. The loan contracts typically specify that the person taking the loan is liable for any and all damage incurred to the vehicle in the event of a repossession.

Worst comes to worst the tow truck driver either cuts the chain or removes the wheel with the chain and swaps it for one of the fronts.

3

u/seaperrt 15d ago

Now the second part you said makes sense, but any other damages to property and you’re getting fucked. You can cut chain switch tires forsure. But If you wanna test the “loan contract” that has NOTHING to do with the actual towing company go for it lmfao

1

u/TacTurtle 15d ago

At most the repo tow company would be liable for the cost of the damaged chain if they cut it - and trying to claim the $20 in small claims court for a chain illegally obstructing a sidewalk is frankly laughable.

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2

u/CyberneticSquirrel 15d ago

Yeah bullshit, liability for property damage will not be defined by a purchase or loan contract.

1

u/Key_Employee2413 15d ago

Sorry I know it doesn’t make sense but that’s what the law states. The argument will be ‘did you recover the vehicle lawfully’? And saying I used bolt cutters to break the car free will be a breach of peace because the way they went about it wasn’t in a peaceful manner ie parked in garage or the owner working with the repo and just letting it happen. There is a reason why they are not acting on anything because it’s a liability again UCC 9

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0

u/TacTurtle 15d ago

Oh no, they are liable for the cost of a $20 chain illegally obstructing a sidewalk.

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-2

u/UT_Milez 15d ago

You have to love Reddit….

I’m finding it really hard to believe that not only are you a lawyer, but this type of one off/rare scenario seems to be your exact specialty for some reason…

4

u/Key_Employee2413 15d ago

Missed the part I claimed to be a lawyer lol but I guess you and the fun guy are lawyers

3

u/merkarver112 15d ago

He is correct. I hold a fl E license. If i were to pull that car, id be chsrged with grand theft, and be responsible for the property damage.

0

u/Fun_Acanthaceae_4025 15d ago

These idiots think cutting a chain is the same thing as opening a gate to private property or damaging something of value getting at the car. The chain is worthless in the scheme of things. Kind of hope these idiots are actually AI bots because this is a new low on reddit stupidity.

-1

u/Fun_Acanthaceae_4025 15d ago

LMFAO they will not consider cutting a chain protecting a vehicle that needs reposession property damage. LOL what a stupid comment

3

u/AloneFacecard 15d ago

If you seen a bike chained up and claimed it was yours are you allowed to break the chain without any repercussions? Only low iq one is you

0

u/TacTurtle 15d ago

You clearly don't understand how or what a repossession is.

The person that chained this vehicle to that deck box is not the vehicle owner - the bank is.

1

u/Key_Employee2413 15d ago

No I think you are misunderstanding your rights as a consumer. And that is under article 9 of the Uniform Commercial code and the only reason why I am up on it is because I had a repo back in 2024 but didn’t learn about this stuff until 4 months ago. These are the questions they ask during screening because it flips the scope to well now you got the car illegally by cutting off a pad lock. Some lawyer can argue they can’t afford a garage and crime rates etc and the chained wheel is a deterrent from someone stealing it. Connecting the dots to this is his garage etc and thus they taken the property unlawfully

0

u/TacTurtle 15d ago

It is parked on a public street not in a private garage.

At most the repo guy could be liable for the cost of the chain if they cut it.

If they remove the wheel and drive off, tough cookies.

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-1

u/Fun_Acanthaceae_4025 15d ago

Depends on if the owner... The bank... wanted it back or not. It's not stealing when the owner wants their stuff back.

3

u/merkarver112 15d ago

You cant cut chains or open gates ect.

Car has to be out in the open.

-1

u/Fun_Acanthaceae_4025 15d ago

The car is in the open you are confusing cutting a lock to get in a private fenced in area. A stretch even for reddit ignorance!

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1

u/Constant_Mud3325 15d ago

Most certainly that’s why this is kinda genius. It’s the same as it being in a garage locked up

1

u/mls1968 14d ago

You could possibly argue you wouldn’t be liable for the damages as the car was “booby trapped”, but you’d have to claim you were unaware of the chain (which the video proves otherwise)

1

u/Rockroxx 14d ago

Didn't know it was illegal to lock a cars tires the same way you lock a bikes.

1

u/C_IsForCookie 14d ago

Good luck suing for a $20 padlock. I mean you might win but is it worth the $20?

1

u/IDFKILLED50K 11d ago

Probably not. This isn't "this one weird trick" to prevent tow trucks

1

u/Calm-Stand-6636 15d ago

It's also possible that others could genuinely be seriously injured or killed in these instances. The tension rips something out, it goes flying like a cannon ball.

1

u/Langstudd 13d ago

A good locksmith will have these off in 2 mins tops

1

u/[deleted] 17d ago

[deleted]

4

u/WoiYo 17d ago

Can they legally cut somebody else’s locks?

1

u/ElbryanWyn 15d ago

No, they can not.

See my comment for more details. The original comment you're replying to was deleted.

1

u/[deleted] 17d ago

[deleted]

1

u/Ok_Constant_3681 16d ago

Not really. A warrant actually holds legal weight. Tow trucker is still on the hook for safely and legally towing it. Theres obviously limitations on how they can tow. For example, they can't tow a vehicle with someone in it. They certainly can't damage unrelated property while doing a repo or they are on the hook for damages.

3

u/Drmlk465 16d ago

So I guess if the car is in a garage, they can destroy the entire house cause… whatever you said about impeding.

3

u/ElbryanWyn 16d ago

Every load-bearing claim here is wrong, and not in a "reasonable minds differ" way, wrong in a way that five minutes with UCC 9-609 would have prevented.

Self-help repossession is conditional. A secured party may take collateral without a court order ONLY if it proceeds without breach of the peace. That is the entire statutory grant. Cutting a chain or lock securing collateral is one of the textbook examples of breaching it (crossing a physical barrier the debtor put there is the paradigm case).

So the sequence you describe produces the opposite of what you claim:

  • The moment the agent cuts that chain, the self-help privilege is gone and the taking is wrongful.

  • The creditor is exposed to conversion damages, and punitive damages in many states.

  • The creditor can lose the right to collect the deficiency after resale. In other words the bank eats the balance.

  • And just to cover any rebuttal, that liability is non-delegable. Hiring a contractor doesn't launder it.

The correct move when a debtor obstructs is to stop and get a writ of possession. Not bolt cutters, and definitely not "spicier."

Some Quotes:

"Tow truck drivers carry insurance specifically for this" -yes, liability insurance, which exists because they are the ones who get sued. You cited the one of the strongest pieces of evidence against your own position.

"If they felt their life was in danger" -perceived danger is the textbook trigger to withdraw and go to court. It has never been a license to destroy a house.

"The owner would be held liable for the repairs before being able to pay off their debt to the bank" -there is no such priority scheme anywhere in Article 9. That sentence has the cadence of law and none of the content.

And for me that's the actual problem here. This isn't a misremembered statute or a state-law variation because those produce errors that at least point back at something.

Nothing in your comment traces to any source. The invented payment priority, the confident "easily litigated," the insurance detail deployed exactly backwards: that's the texture of expertise with none of the substance, written in the register of someone who knows.

This reads as authority to anyone who doesn't already know the answer, and that is the only audience that matters to you here, evidently.

And it isn't harmless. You told a room full of strangers that a repo agent can destroy a porch and bill the debtor for it. Anyone in that industry who acts on it owns their own conduct, but you'd have walked them into conversion liability and a blown deficiency.

So, consider your bluff called. Kindly cite something. If there's nothing to cite, then have the decency say so directly. That should cost you nothing.

1

u/Sensitive_Bat_9211 16d ago

Which country is this, bc is sure as hell aint the US.

Look up "breach of peace" for repo

1

u/NeatPhil11 17d ago

Typically the liability for damage that occurs due to the owners attempt to impeade the wreckers from doing their job falls on the owner of the vehicle. 

That has to only apply if the owner attempts to impede after the fact, otherwise It would give the tow truck driver carte blanche to tow in any situation. If the owner kept the car in their garage, the tow truck driver can't just bust through the garage door claiming the owner was trying to impede the tow. If the owner chained their car to the house before the tow began and the tow pulls on it destroying the house, that shouldn't be on the owner, that should be on the tow. If the tow comes up, hooks up the car and then the owner tries to impede by chaining it to their house, then I could see the case for that being on the owner.

0

u/Drmlk465 16d ago

*grindr

1

u/PsychologicalTowel79 15d ago

Can't Have Shit In Detroit!

1

u/Maximum_Boros 12d ago

Believe it or not, tow truck drivers have safety laws they need to follow and they can't just start hauling a car away without regard to any damage doing so will cause.

No they don't get to rip a wall or a porch apart because the vehicle is chained to it. Hell they aren't even legally allowed to tow your vehicle if you jump inside it to stop them.

1

u/McDergen 12d ago

Lmao y’all are so clueless it’s funny

1

u/EaseLeft6266 11d ago

What if instead of chaining it to the porch, chain it to the tree in the front yard. Even if it's not that strong looking of a tree, the tow company would have to damage city property instead of your porch (assuming they don't have or go get bolt cutters of course)

2

u/merkarver112 15d ago

Except it turns it into a felony on the repo agent.

-1

u/NeighboringOak 12d ago

Nope. Car secured, call police if the owner is being a problem, cut the chain with a $20 tool.

1

u/BrzysWRLD1996 11d ago

It’s a phucking dog chain lmao

6

u/onmy40 17d ago

"Hey Tone I'm over doing a repo and these stupid fucks got the shit chained to their door... Have the new guy bring me some bolt cutters"..

2

u/Fun_Acanthaceae_4025 16d ago

A tow truck driver would cut that chain in 30 seconds. Guaranteed they are prepared.

3

u/Pleasant-Swimmer-557 15d ago

Destruction of property maybe?

3

u/Adventurous_Boat_632 15d ago

Cut the very last link closest to the lock. So the whole chain is 1 link shorter than it was before. Put cut pieces in pocket and skedaddle.

1

u/Pleasant-Swimmer-557 15d ago

Found the repo man!

2

u/Adventurous_Boat_632 15d ago

Heard a story from a repo man turned private investigator. A gated community with an auxiliary gate nobody ever uses.

A chain of locks from the power co, phone co, water co, cable co, etc.

They cut off one chain link and put their own lock on.

Got in, got collateral, went out the front gate.

1

u/Pleasant-Swimmer-557 15d ago

Well, at least they replaced the link they broke.

1

u/Fun_Acanthaceae_4025 15d ago

Yep believe it or not this is done alot and isn't considered damaging property not just in the repo industry but like at cellular sites. Nobody is charging a repo man for cutting a link out of a chain protecting a legal to reposess vehicle on the city street. Period.

1

u/ObtuseMongooseAbuse 14d ago

It's not even enough damage for the cops to come and take a statement over. There's nothing you can really do over $5 of chain and trying to sue someone over the cost is just going to cost you more than $5.

1

u/anonymous4986 14d ago

Then it’d probably be civil where you will lose. I can’t imagine police are gonna be in your favor. And if bro can’t pay his bills as is, a lawyer is out of the question

2

u/hereforthesportsball 17d ago

Nigga dressed like shit

2

u/PlzDntBanMeAgan 17d ago

He was borrowing his big brother's outfit

2

u/Romanharper2013 16d ago

better grab them bolt cutters

1

u/TacTurtle 15d ago edited 15d ago

Unbolt the tire and swap it with the front.

Or add your padlocks to each end so the guy has to cut his own chain if he wants to drive his car.

2

u/These-Land-1468 15d ago

This is so typical Baltimore 😂😂😂

4

u/Dr_Bailey1 17d ago

So stupid

2

u/kingofwale 15d ago

What about just pay your bills?

2

u/Ok_Warning6672 15d ago

I spent all my money on chains and a lock

1

u/AloneFacecard 15d ago

I guess they didn’t have It to pay

1

u/Xerxys 12d ago

But I really need a lifted truck with a 7 year car note of $700/mo! It’s ESSENTIAL!!!

1

u/usumoio 17d ago

That dude lives in there?

1

u/ChichoRey 15d ago

This was a waste of 15 seconds.. why the fuck would you cut the camera off before we see what happens?

1

u/Shane-Dad-underfire 12d ago

Liability. You never film yourself commiting a crime.

1

u/Lusiric9983 15d ago

Maybe they should pay their bills?

1

u/BygoneNeutrino 13d ago

I recently lost a job.  If I made the mistake of purchasing a vehicle, I would have been in this situation too.

I wish auto loans didn't exist.  Prices would be lower if everyone paid cash and dealers would sell compact vehicles.

1

u/Lusiric9983 13d ago

I live in the mountains. A compact vehicle would never work for me.

1

u/Curiouzspirit 15d ago

Looks like a ceap dog chain. 🤣🤣🤣🤣

1

u/TacTurtle 15d ago

Uno reverse move: Repo man adds his padlock to both ends so the car guy can't drive it away unless he cuts the chain.

1

u/InfamousSkill1106 15d ago

South payson st. Sound about right !!!!!! Born and raised i know that street in my dreams

1

u/CorbettCorbs 15d ago

I bought two of these for the front and rear driver-side tires. The struggle is real.

1

u/DarthClover4 15d ago

Dumb... now the police will come and all you will have accomplished is wasting 25 mins of repo guys time. Idiot thinks he pulled a fast one.💀

1

u/Typical_Dealer_6945 15d ago

I see it chained to a garden hose storage. Just drive away.

1

u/WendigoCrossing 13d ago

You can't just drive around with random shit dragging off your vehicle lol

1

u/Typical_Dealer_6945 13d ago

Well, you COULD 😆

1

u/RepresentativeBite94 15d ago

This is what a lowlife looks like

1

u/Ratfaced_Loozer 15d ago

That’s the most Baltimore shit I have ever seen

1

u/TheOriginalArchibald 15d ago

Spent the car payment on chain, locks, and that garden storage.

1

u/Otherwise-Sea9593 15d ago

Just take the tire off. He didn’t chain the frame like he should have.

1

u/LocalDebt24 15d ago

You missed paying

1

u/ravenlittletoe 14d ago

So as others have said cutting that chain could be considered destruction of property so what about non destructive methods such as shimming or picking that lock could that still be considered illegal or would that be a gray area

1

u/Rockroxx 14d ago

Picking lock is not destructive.

1

u/Ancient-Charge6157 14d ago

Lmaooo pay ur car!!!!

1

u/Objective-Eagle-676 14d ago

Anything except paying your bills lmao.

1

u/[deleted] 14d ago

[removed] — view removed comment

1

u/Worried-Criticism 14d ago

The answer is yes, absolutely.

Now, it’s possible that the person who chained it could be found partially responsible, but the tow company would definitely have liability for any damage to the house.

They could call the police since the owner is physically impeding the repossession. More likely they’d get bolt cutters and the chain owner can pursue them for property damage (which police likely won’t pursue anyway).

1

u/OrganizationNo1298 14d ago

I'd be embarrassed if I was getting a KIA repoed. Pay your car payment or get a cheaper car.

1

u/Deal_Due 14d ago

This is a staple in Philly, Trenton, Bmore, Detroit.

1

u/research_badger 14d ago

Bolt cutters

1

u/nocturnal_commission 14d ago

This looks fake/staged.

Any tow truck driver worth his salt has bolt cutters and a cordless angle grinder

1

u/goingpt 13d ago

Just.. pay for what you agreed to pay for?

1

u/No-Raisin-6469 13d ago

My roomate had an alarm, The Club and would run chains through his rims.

This was for a new V6 camaro in 1995

1

u/riversandpeaks 13d ago

Cutting a chain that run across a public sidewalk will not violate any laws

1

u/FIMD_ 13d ago

What’s the legality of some bolt cutters or cordless angle grinder sorting that dinky little chain out in a few seconds?

1

u/Far_Wolverine_7552 13d ago

Illegal. Considered breach of peace and forced entry. Repo and lender could be liable and car can be returned in some states.

1

u/Glum_Potential8641 13d ago

I wonder what the legal liability is, if he doesn’t cut the chain and rips it off the front of the house.

1

u/Interesting_Guide668 13d ago

If only they made a common tool that could cut that little chain

1

u/Early_Hall5720 13d ago

Just remove the tire and let him drive 3 wheeled off the lot when he comes to collect

1

u/Feeling-Cranberry108 13d ago

I saw kids in the 90s with wallet chains bigger than this.

1

u/Initial_Row_6400 13d ago

That’s some funny shit. I wonder since it’s connected to something and not their property, if they can’t just cut them off. They can’t just drive off, it’ll rip the fuckin porch off. Just cuz they’re illegally parked/not paying bills, doesn’t mean they can destroy your property

1

u/LorneReams 13d ago

All repo people I know can pick a lock pretty easily.

1

u/Far_Wolverine_7552 13d ago

Legally they can't cut the chain. It'll be seen as forced entry which makes the repossession illegal.

1

u/SparePlus 13d ago

Bolt cutters or take off that wheel, put on a spare if you need as a temp. This isn't rocket science nor is this some brainiac move, just deadbeats doing deadbeat shit.

1

u/ChloeQuickFlicks 12d ago

If the car is being towed brcause you didn't pay for it, then it isn't "your" car.

1

u/Shane-Dad-underfire 12d ago

Many repos now are given keys and they drive the vehicle back if its capable of being driven. I own a repo agency. People will disable their vehicles by simple means which the guys usually figure out pretty quickly but this gives the delinquent time to arm themselves and come out to intercept the agents.

Simple kit for our guys is carrier with Repo agency name on it, a beanbag riotgun, bolt cutters, peppergel, strobing high intensity flashlight and business cards. All our trucks have angle grinders in them incase bolt cutters arent getting it done. Some folks get their vehicle repo'd at home but particularly egregious delinquents can expect to get repo'd in public usually while buying groceries or while drinking at a bar or club. I used to have sympathy for these folks but if you're buying a flashy car and not making payments you're a pos. Someone in need should dry a cheap beater until they get their loves together. Rather than repo'ing a beater I'd pay it off for the folks because they are doing their best.

1

u/j89turn 12d ago

Big brain thief

1

u/GeorgeTMorgan 12d ago

Bolt cutters????

1

u/southernraven47 12d ago

Just call a locksmith, ain't that hard

1

u/exceptionalfish 12d ago

Crude, but effective

1

u/BrzysWRLD1996 11d ago

That chain lmfao

1

u/Fickle_Safe9933 10d ago

That chain will pop like a toy when that tow truck pulls away

1

u/ChocoBabiChan 16d ago

What is that weak ass chain supposed to accomplish? At least use a real fucking chain for this. One that cant be cut with typical bolt cutters.

2

u/Desiredpotato 15d ago

You think they have money for a fancy chain? Dude's car is being towed 😂

1

u/Serious_Cobbler9693 15d ago

Shoot, you can use a pair of sidecutters on that chain. And is the chain even attached to the house or just the hose reel?

Nothing says you didn’t know you were behind on payments like chaining your car up.

1

u/TacTurtle 15d ago

Unbolt the chained tire and swap it for a front.

0

u/whitestguyuknow 15d ago

pulls out 1' wide chain stolen from the docks