Self-help (law)

Self-help, in the sense of a legal doctrine, refers to individuals' implementation of their rights without resorting to legal writ or consultation of higher authority, as where a financial institution repossesses a car on which they hold both the title and a defaulted note. Individuals resort to self-help when they retrieve property found under the unauthorized control of another person, or simply abate nuisances (as by using sandbags and ditches to protect land from being flooded).

The legal system places varying degrees of limitation on self-help, and laws vary widely among different jurisdictions. Often, self-help will be allowed as long as no law is broken, and no breach of the peace occurs (or is likely to occur). Also, the usual limit on liability for actions of an agent will not apply; if one uses an agent such as an independent contractor to perform the self-help action, the principal will be held strictly liable if anything goes wrong. Courts will often place stricter limits on repossession of certain types of merchandise and on eviction of tenants. Creditors and landlords who resort to self-help in such situations are prone to tort liability, and in some jurisdictions, to criminal liability.

A famous case, MBank El Paso v. Sanchez 836 S.W.2d 151 (Tex. 1992). was heard by the Texas Supreme Court. Sanchez was the registered owner of a vehicle which MBank El Paso was lienholder. When a tow truck operator hired by the bank attempted to repossess the vehicle, Sanchez locked herself in the car. The tow truck operator hooked the car up to the tow truck anyway, and proceeded to drive it, with Sanchez still in the vehicle, at high speed to the lot where it was left, protected by a . It required the combined efforts of Sanchez' boyfriend and the police to allow her to escape the impound lot. In a subsequent trial, the repossession was declared unlawful and reversed, and the bank was also held liable for $1,250,000 in damages to Sanchez, even though the unlawful eviction was taken by the tow truck operator, who was not an employee of the bank. The bank was held to a "non-delegatable duty not to breach the peace," and that any breach of the peace - whether by the debtor, the creditor, or even an independent contractor merely acting on behalf of the creditor - is considered the fault of the creditor.

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