They didn't do a Replevin Judgement they used Act 255. It allows them to avoid court. Wisconsin has VERY strict rules on reposession. By using a professional repo company they complied with Act 255 in notifying you of the repo READ below it explains it very easily and you have 15 days to redeem the vehicle act quickly:
Per the Uniform Commercial Code adopted July, 1965: Filed with Registrar of Deeds in county where owner resides and with the Department of Motor Vehicles.
Act 255 establishes a new method by which a merchant may take possession of motor vehicle collateral or goods subject to a motor vehicle consumer lease without undertaking judicial proceedings, often referred to as self-help repossession. To do so, a merchant must mail (either by certified or registered mail) to the customer a notice that, among other things, includes the following information:
1. A statement that, as a result of the customer’s default on the consumer credit transaction, the merchant may have the right to take possession of the collateral or goods without further notice or court proceeding.
2. A statement that if the customer is not in default or objects to the merchant’s right to take possession of the collateral or goods, the customer may, no later than 15 days after the merchant has given the notice, demand that the merchant proceed in court by notifying the merchant in writing.
3. A statement that if the merchant proceeds in court, the customer may be required to pay court costs and attorney fees.
4. The creditor's name, address, and telephone number, along with a brief identification of the credit transaction, such as a loan account number, and brief description of the collateral.
The Act also provides that a merchant who repossesses motor vehicle collateral or goods under a motor vehicle consumer lease must notify, verbally or in writing, the local law enforcement agency about the repossession. This notice may be given either by the creditor or its repossession company. The notice must include the creditor’s and borrower’s name, the name of the repossession company (if one is used), and a description of the motor vehicle being repossessed. A person who intentionally violates this provision may be fined not more than $500, an exception to the general maximum fine of $2,000 found in s. 425.401, Stats.
Fifteen (15) day redemption.
Wisconsin has strict requirements, so we recommend contacting a local repossession agent.
Special Motor Vehicle Provisions:
Certificate of Title bears lien.
Documents Required to Transfer Ownership of Motor Vehicle:
Title in lienholder's name or certificate of title with lien release; certification of repossession on approved state form.
Documents Required for Liquidation:
Title, Repossession Affidavit, and Copy of Contract.
Remain with the owner / debtor.
Recovery requirements and fees are current as of 2007.
"That's just my opinion, then again I might be wrong." Dennis Miller