Repo man pays off elderly couple’s car

RED BUD, IL (WCMH) – An Illinois repo man was sent by the bank to take an elderly couple’s car. Instead, he made sure they could keep it forever.

Repo man Jim Ford is co-owner of Illini Asset Recovery in Illinois. His job is to take cars back when people don’t make their loan payments.

He’s seen just about everything while on the job.

“I`ve been shot at, ran over, just about everything you can imagine,” Ford told KTVI.  “I haven’t been stabbed yet.”

Nothing he had seen before prepared him for what he encountered when he went to prepossess a car belonging to Stan and Pat Kipping.

“My grandparents are gone, but you know– I could see them in the Kippings.  I knew what was going on.  The cost of their medications have doubled or tripled, and I know that’s happening to everybody.  I knew why they were behind,” Ford said.

Ford did his job and repossessed the car, but before he got very far, he pulled over and made a phone call to the bank.

“We got to do something,” Ford told the bank. “How about I just pay it current right now?”

After the loan was made current, Ford set up a GoFundMe account. Within hours, the Kipping’s car was paid off in full. They got their car back Monday.

“It’s just like hitting the lottery,” Stan Kipping told KTVI.  “I’m just so happy, I can’t believe it.”

Just for good measure, Ford even got the oil changed and had the car detailed before returning it.

“We owe a drug store $500,” said Pat Kipping.  “We owe IGA, our grocery store, money.  And then this happened.  It’s made me think that there are very good people out there, and it’s not all bad.” provides commenting to allow for constructive discussion on the stories we cover. In order to comment here, you acknowledge you have read and agreed to our Terms of Service. Commenters who violate these terms, including use of vulgar language or racial slurs, will be banned. Please be respectful of the opinions of others and keep the conversation on topic and civil. If you see an inappropriate comment, please flag it for our moderators to review.

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