Have you ever had a car repossessed? Seen someone else meet the repo man?

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Have you ever had a car repossessed? Were you able to get it back? If you've seen a neighbor or someone else get a car repossessed, what happened? Are you a repo man or know one? Tell us your stories. I've heard some horror stories that finance companies are calling in the repos after one or two late payments. With unemployment and layouts, this could be a nightmare for many.