Family Fracas with Repo Man Leads to Theft and Assault Charges after Altercation

wsac_repoimageSacramento, CA – April 21, 2015 – There are two sides to every story, but sometimes, the defenses people play to excuse their wild behavior during a repossession are very questionable and once again, the practice of going to the door for keys and to let the borrower get their property from the vehicle proves to be a sketchy proposition.

On May 11, 2013, an unnamed Repo Man banged on the West Sacramento door of Guillermo and Sandra Bonilla, shared with his brother Juan Bonilla. What began as a run of the mill repossession started a multi hour ordeal, where the family was ultimately able to get their vehicle back and clear up the matter, but six months later they were arrested and charged with numerous crimes including second degree robbery, grand theft, and battery.

What occurred depends on who tells the story. A video was shot from the tow truck and narrated by the repo man, however the family tells a very different story. The attorney representing the family, maintains that the Repo Man unnecessarily escalated the incident and initiated the physical confrontation with his clients.

Travis Credit Union initially assigned the repossession to an unnamed agency who was assigned to repossess a black 2008 Land Rover. A video shows that the Repo Agent “secured the 2008 Land Rover with his tow truck (Hydraulic Lift, Dollies and Tie-Down Straps), taking physical possession of the 2008 Land Rover.” He then knocked at the door, as he explained, hoping to gain the cooperation of the owners to tie down the steering wheel and, according to the police report, “to allow them to remove personal items from the interior of the vehicle prior to him leaving the location with the vehicle.”

He was met at the door by Sandra Bonilla and Guillermo Bonilla, along with his brother Juan Bonilla. According to the police report, the agent “attempts to stop Guillermo from removing the straps and as a result Juan Carlos exits the Land Rover, approaches (the agent) from the rear and places (the agent) in a choke hold to pull (the agent) away.”

Juan Bonilla then allegedly stood between the agent and the vehicle to prevent him from interfering with his bother while he untied the straps securing the vehicle.

Detective Kenneth Fellows wrote, “Sandra emerged from the residence and drove the Land Rover off the hydraulic boom then maneuvers the Land Rover in the driveway, driving over the dollies placed under the front wheels of the Land Rover before finally fleeing the area in the Land Rover.”

The dollies, valued at over $1000 each, were missing but ultimately returned.

The Bonillas met with the Vanguard a few months ago and told a very different story. They said, at 9 am, the repo man banged at the door. They were not aware of who it was, and their home had been broken into two months before and they thought it was the same person.

They never suspected it was a Repo Man, as they thought their payments were up to date. They showed the Vanguard documentation that on May 1, 2013, they had received a statement stating no late payments were due.

Ms. Bonilla had returned from Honduras in April after a one-month stay. All three were legal residents of the US, and they provided the Vanguard with their passports and other paperwork. Guillermo Bonilla has been a resident for 18 years and owns a West Sacramento business.

Ms. Bonilla said she usually pays the bills, so Guillermo forgot to pay on her car. She contacted Travis Credit Union around April 11, 2013. She had them process one payment at that time and arranged for the next payment to be processed on April 28, 2013.

However, unbeknownst to them, the second payment never went through because their account was frozen by Chase due to some issues with Guillermo’s trucking business.

When the man told them he is repossessing the car, he was holding some papers, but refused to show them. They asked for proof that he wasn’t mistaken about the car, as it still had the dealer plates, even though it was a year old.

The repo man told the police that the dealer plates and covered VIN number were efforts to conceal the vehicle, however, Ms. Bonilla said that the DMV had simply lost the plates.

The tow truck had nothing identifying a company and when they asked for his ID, he refused again.

Ms. Bonilla told the Vanguard that, during the two-hour incident, they called the police four times.

Guillermo Bonilla attempted to remove the partially attached straps, when the agent reached around his face and grabbed his mouth with both hands, causing him to bleed. It was at this point that Juan Bonilla pulled the agent off his brother.

Ms. Bonilla, at this point, attempted to drive the car away, but the agent lifted the hydraulic fork as she was driving, scaring her more. She had to back up to maneuver around the tow truck and the repo man kept lifting the hydraulic fork to stop her.

She told the Vanguard that the repo man followed her off the property and chased her as she sped around West Sacramento for 30 minutes. In one hand she was talking to the bank, in the other she was talking to the police dispatcher. She pleaded with them to let her talk to a commander or someone in charge, but was told, “No one is here.” Eventually she was told that all the police were at her house.

The Bonillas cleared up the issue with the bank and finally received the release letter. They thought the issue was resolved at this point and they remained in possession of the vehicle.

However, on June 7, 2013, Detective Fellows returned to their residence, and pounded on the door. He accused her of stealing the repo man’s dollies, to which she replied by questioning why she would want them. She told him she had a lawyer and he should talk to him. The sergeant was angry and left.

Detective Fellows returned to her home later in the week. Detective Fellows pounded on her door, telling her he needed her side of the story. She called her lawyer who advised her to have him call him.

Five months later, in December, 2013, a SWAT broke down their door. She said that she would not open it without seeing a warrant and that they never provided one. She told the Vanguard that they broke down the bedroom door to get to Juan, for whom they did not have a warrant. They threatened to have CPS take her son.

This case is scheduled to go to trial this week. It was delayed until Thursday.

Print Friendly, PDF & Email

4 thoughts on “Family Fracas with Repo Man Leads to Theft and Assault Charges after Altercation

  1. The repossession industry has gotten to the point there is very few direct clients out there , many finance companies turn to forwarders to out source there repossessions due to all inclusive pricing they expect agents to include keys , delivery no redemption fees as well as covering up to 100 mile radius with no extra fees , many forwarders pocket $300.00 per repossession after paying agents next to nothing for the repossessions ,the word Contingent back 15 years ago was unheard of in this industry . Many agents who do recoveries for low cost are not qualified lack licensing as well as training and most importantly have no clue to fair debt collection laws we need the recovery associations to get strong again and stand behind members and educate lien holders .

  2. Clients want free keys. The agent can’t afford to cut new keys on the amount of money the client is willing to pay for the repo. So they go back to the debtor and demand keys and bad things happen.

    Just like contingency, it only causes problems and claims. There needs to be exclusion for contingency in the insurance policies. The problems are the insurance agencies that provide the industry with Repossession Insurance will not have the exclusion because they are afraid of losing business. If they would get together maybe the exclusion could happen. But until then, claims will happen and it is all because the client’s demands and they continue threaten to take their business away from the recovery companies they use.

  3. This is just another example of client’s efforts to save money by demanding free locksmith services. There have been several instances where the agent goes back for the keys and bad things happen. There is too many demands made by client in an effort to save them money and they have no regard for the recovery agent’s safety.

    They demand free storage. Will they ever learn that the agent has to pay for insurance for stored vehicles?

    Free delivery to an auction. They are not concerned just how far the auction is or the time it takes to deliver the collateral and the cost to the agent.

    Free skip tracing. They send out assignments with three to five addresses with no idea of the location of the collateral. However they refuse to pay for skip tracing.

    All of these demands are generally capped off by saying if you don’t do this you will lose our business.

    The worst part of this is there is too many agents willing to give away their services and barely make any money because of these demands.

Leave a Comment

Skip to toolbar