In calif and here in Alaska, where you did it made all the difference. Also the way the sales contract was written apparently did too. If you were repo'ing without a bond you had a lot more chance of getting in trouble as well. Too many issues protecting deadbeats. I have heard things about reservations from others in collections. What is has done is made it harder for people who deserve credit otherwise to get credit. There used to be stories on how much farm equipment has basically been stolen that way. Up here there is tribal land as well. Buildings and parking lots that are owned by "native" organizations. I am probably lucky I never got taken in.