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Our Services

JLJ Auto Recovery, Inc. is a bonded repossession company that has been in business since 1993. We pride ourselves on our professional and efficient results.

Our policy is to never take a risk in recovering a unit that might result in damaging the collateral or any property or result in injury to any person. Our policy is also to avoid any illegal action, such as breach of peace, wrongful repossession, breaking and entering, etc.

The use of drugs is prohibited. The use of alcohol during or prior to working is prohibited. Firearms in or out of the office are prohibited. All traffic laws governing repossession are to be followed at all times.

The field agent's primary responsibility is to go to his destination and attempt to recover the said collateral. It is his responsibility to document a situation at the time it occurs. Once the collateral is recovered, he is to report self-help or a voluntary repossession to the proper law enforcement agency. The field agent is then to bring collateral to storage yard and secure all personal items. Condition reports and personal property inventory reports are to be done at this time. The field agent accepts no payment or arrangements for payment without the consent of the client.

The secretary handles the daily paperwork, including billing, faxing condition reports, etc.

A self-help repossession, which is allowed in Colorado as long as the peace is not broken, is the taking of the debtor's collateral without their knowledge or consent. Breach of peace occurs when at any time during the recovery of any collateral there is an attempt by the debtor or any third party to physically stop an agent or any physical contact with debtor or third party attempts to stop the repossession by preventing the agent from leaving, all local laws are obeyed. At no time will the agent engage in verbal or physical confrontation with the debtor or third party.

The following are the steps to follow for the self-help repossession:

  1. The agent will identify the unit by checking the VIN and unit description.
  2. The agent will be sure that he knows the proper towing procedure for the collateral.
  3. The agent will notify law enforcement of the repossession as soon as the vehicle is secure and away.

The following are the steps to follow when the debtor or third party becomes aware of the self-help repossession:

  1. The agent should calmly continue to hook the collateral, being careful not to allow the debtor to block him in.
  2. As he does this, he should identify himself and the bank or client that has authorized the repossession.
  3. The agent should not argue with the debtor, but offer information on who they can contact regarding their loan and the repossession. The agent may offer a card from JLJ in case they would like to speak to someone in the office about the repossession or any other concerns. If the agent feels comfortable in letting the debtor remove personal property from the vehicle at this time, he may do so if the debtor would like to surrender the keys.
  4. The agent should attempt to leave the area as soon as possible and report the repossession to local authorities.
  5. If for some reason the agent cannot secure the collateral, he should try to talk to the debtor and convince him to surrender the unit. If the debtor will not surrender the unit the agent will try to get the client on the phone to talk to the debtor. If not during business hours, agent will provide debtor with the phone number and name of the collector to contact regarading the past due account.

Every situation is different and good judgement must be used at all times. Debtors will be treated with respect and courtesy.

Corporate Office | P.O. Box 1051 | Westminster, Colorado 80036
Telephone: 303-428-8956 | Fax: 303.428.0884
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