I crossed paths with the repo man looking for my 06 Avalanche for over 24 months. He followed me for about 10-12 miles, and then a small snatch truck, (tow truck) started following him... In short, I knew he was there, I had seen him driving around my house for a long time, but the truck never slept at my house. The man even slept all night below my 3rd story windo in his car hoping to catch me coming or going.. In any case, I pulled into a Walmart parking lot to confront him. he got out and demanded the keys to my truck or he would call the cops. I told him to go ahead and call them. The snatch truck got in front of my truck, and the guy's car was behind my truck. When I saw the tow truck driver sprinting for my front door, I ran and beat him to it, and jumped in. About 15 minutes later the cops showed up, they told the cops the truck was reported stolen by the bank, but they didn't show any information against my vin number. The cop asked me if I was willing to give the truck to the repo man and I said absolutely NOT. So the cop told him to leave me alone and try to catch me next time. Then, the repo man threatened me in front of the cops... (dumb Ass) saying he would break into my house to get my truck and that we were going to see how tough I was then.. (I have a very secure garage, and if you don't have the key, you have to rip the door off) So I told the cops that I wanted to press charges against him and his buddy for threats against my person and property... Next thing I know, the repo man and his friend were told in front of me that because of what he said in front of them, they could not come near me anymore after I filed an injunction against them, using the cops as my witnesses.... (A week later, I started seeing a different repo man driving around my neighborhood, they're too obvious...) In short, I returned the truck about 7 months later when I was good and ready, and only after I was able to purchase another similar truck in cash.

The only reason I did all this, is because I paid over $17,000 for the truck and I was only $4,500 short of paying it off when I lost my job, I made another 2 payments and then started getting into trouble, but the bank wouldnt have it, they wanted my truck 2 weeks after defaulting on my payment and sent the repo man to get it. After 3 months of not being able to make the payment everything got so expensive I decided to just keep it and deal with the consequences as they appeared.. Turns out, it's fairly easy to keep your vehicle for a long time if you play your cards right....

Suggestions for avoiding skip tracers:

MOVE ASAP!!!

Dont use your debit card...
Go to Metropcs and get yourself a phone with any name and address other than your own...
Only give out this number to your closest friends, and don't use it to comunicate with the bank or any of it's agents...
Go to Walgreens and get yourself a prepaid VISA card, and use your parents or a friends address, and only use it, far away from your home.
Always keep your car inside a garage, and if you suspect the big bad repo man is out there, get into the car and refuse to get out unless the cops TELL you you MUST relinquish the vehicle... (Most states prohibit repo men from hooking up a car with people in it)...

Remember, repo men are people who don't like to work, so a job looking for people is right up their alley. They sit on a computer all day eating donuts watching porn, then go out and drive around all night until they see your car and either hook it, or call in a tow truck to get it. Most people just give them the keys and they make their money, but if you're smart, you will fight tooth and nail for your car and give them hell...
Also, don't forget that in most states, if you see suspicious activity inside your property, you can snipe them off from your window to protect your property, but try to hit them in a leg or something.. I would personally love a claymore mine somewhere around the car that will either blow his legs off, or destroy his snatch truck with him in it.

And, if all else fails, try to incite the repo man to hit you or break something of yours, then turn around and call the cops on him and have his punk @ss arrested... Getting a repo man arrested or kicked out of your property, is the sweetest revenge...