If the creditor wants to collect on a debt, there is a court process for that. I’ve used it. It works.
Locking the phone is not repossession. It does nothing other than sabotage the device the consumer may need to actually make the payment. The phone remains in the buyer’s possession and useless to the seller.
Power is also misplaced. What happens when the creditor decides to (illegally) refuse cash payments on the debt? Defaulting is not necessarily the debtor’s fault. This in fact happened to me: Creditor refused my cash payment and dragged me into court for delinquency. Judge ruled in my favor because cash acceptance is an obligation. But this law is being disregarded by creditors all over. If the creditor had the option to sabotage my lifestyle by blocking communication and computing access, it would have been a greater injustice.
#WarOnCash