A repossessor began backing an automobile out of a shopping center parking lot when the buyer came out and objected to the repossession. Can the buyer object?

• A. No, because repossession was complete before objection
• B. Yes, the buyer can object
• C. Only if the vehicle is in motion
• D. Only if police are present

Answer: (A)

When a secured party repossesses collateral, it can be done without a court process as long as there’s no breach of the peace. If the repossession proceeds peacefully, the borrower generally cannot stop it by objecting while it’s happening, and once the asset is actually recovered and taken, the repossession is effectively complete. At that point, the debtor’s remedies focus on challenging the sale or any deficiencies afterwards, not on halting the repossession itself.

In this scenario, the repossession began and proceeded without showing a breach of the peace, and it was completed. Because the act was completed peacefully, the buyer cannot object to the repossession itself. If there were a breach of the peace, the situation would be different, but that isn’t indicated here.