In addition to the matters raised above, I don't believe that repo men can legally enter your home/garage - they need to wait for the vehicle to be parked on the street. With a car that's always parked in a garage, this can be somewhat problematic, but they can always follow the target to work or to the store for an opportunity to snatch it. A nice bike? Yeah, those aren't going to stay outside, unattended, for very long, if at all.