Before the opening credits of that crap show, the disclaimer reads that it is a complete reenactment of repossession stories. What they don't say is how nobody would care about the stories unless they spice it up with a constant dose of drama crap. The show is fake, the acting is horrible and the cast will never be able to find any work ever again once that steaming pile of dog crap is cancelled.
Being a former repo agent, nothing like this ever happened to me. All this crap is staged to draw an audience. Certain laws must be followed to repo a vehicle.
I did a few repos myself, but even without that you can see the morons can't even act well. But, they sure make a hell of a lot more than I do. I was hired to do nothing but stand around when the repo was done. I'm not a bad ***, but sometimes I sure seem to scare the hell out of people just by lookin their way...