- Joined
- Dec 29, 2014
Barb has no legal responsibility for the debts of her adult child, unless she stands in some explicit guardianship role over him (or actually co-signed for the loans), any more than she has liability for him blarming out in GameStop. She only has responsibility for what she does (as in the Michael Snyder incident).
The only people who can simply repossess are those who hold secured debts, such as repo men taking back a car that literally actually belongs to them. There would be a name for a "debt collector" who simply showed up and drove off with a car with no legal process: grand theft auto. Nice game but not something you want to do in reality.
Holders of unsecured debt are not entitled to do such a thing without having an executed judgment and it is generally a sheriff or other law enforcement official who would either carry out or supervise such an operation.
Hardcore debt collectors wouldn't get involved until at least 120 days after payments stopped - that's when past due balances are usually written off and sold off, and I'm pretty sure if Chris went to jail, he'd be out well before then. Also, if Chris were in the clink, I doubt Barb would bother returning phone calls from collection agents.