12.2.2.020

Procedures for Repossession of Automobiles and Other Equipment, Materials and Supplies Purchased Under Installment Plan or Credit (Sec. 56.3 – SIP CODE 84, P.261-262).

The following procedures shall govern repossession on the Pueblo of San Ildefonso of automobiles and other equipment, material and supplies purchase under installment plan or credit:

(a) All creditors are requested to contact eh San Ildefonso Tribal Courts for the purpose of arranging a joint collection visit to the home of the debtor on the Pueblo of San Ildefonso.

(b) Repossession of an automobile will not be allowed form a debtor on the Pueblo of San Ildefonso if the debtor offers immediate payment of all installments and penalties and interest.

(c) Repossession of any items on which the balance has been reduced below $300.00 is not allowed, but satisfactory arrangements must be made for payment of the balance due, plus penalties and interest, between the creditor and purchaser.

(d) Force or intimidation will not be allowed in any repossession process.

(e) Repossession will be allowed only if the purchaser has missed at least two consecutive payments on the sales contract or agreement.

(f) Creditors or agents seeking repossession of any items on the San Ildefonso Pueblo are required to register with the San Ildefonso Tribal Courts and present proof of their right to repossession. If there has been a counterclaim or defense against the repossession, the Creditor or agent should be referred to the San Ildefonso Tribal Court for a hearing on the matter and the issuance of an Order by the Court allowing the repossession.

(g) Creditors or agents who violate this Title shall not be allowed to enter upon the Pueblo of San Ildefonso at any time in the future unless special permission is obtained from the Governor, for the purpose of processing a repossession of any item located within the Pueblo of San Ildefonso.