Conn's Appliances - Can Conn's Come to My House to Get Appliance Because of Misdue Payment

Posted by JISCal2 on 2012-07-28:

It depends on the type of credit used. If the credit was somehow secured and the furniture/appliance that was purchased was also put up as the collateral, I believe they can.

Posted by jktshff1 on 2012-07-28:

Look very carefully at the papers signed at the time of purchase

Posted by leet60 on 2012-07-28:

In most states if the purchase/credit contract indicates the merchandise is secured the creditor can take repossession. Depending on the laws in your state they may require a court order. In no instance can they forcibly enter your home to repossess merchandise, nor may they "breach the peace" trying to do so.

If you do a google search there are attorneys in Texas that are working with consumers regarding Conns. They may be able to help.

Posted by trmn8r on 2012-07-28:

The first two replies nailed it. There is very little online, but it appears Conn's offers two types of credit - one a credit card and the other an "in-house" credit line that appears to *not* be a credit card. Check the fine print either on monthly statements or the original paperwork.

Posted by madconsumer on 2012-07-28:

short answer is, yes. if conn's is like any other rental center they have the right.

Posted by DebtorBasher on 2012-07-28:

Conn's also rents appliances, if she's renting the appliances, yes they can come and take them for non-payment.

Posted by melissa253 on 2012-09-04:

Yes, they can take them back for non-payment but 'NO' they cannot enter your house without your permission. Now if you rent, they may be able to get permission to enter from your landlord. This is a slippery slope.

Posted by Hector on 2013-05-13:

Conns is not a rent to own. Your mom probably got her credit checked got declined and sent to RAC which is rent to own inside the store. They are completely separate from any conns policies, so as a rent to own they can go repo if not payed.