Sure.
I use the term “lawful” - and I think this term is underemployed in libertarian literature - because there is an extra-legal context (action without reference to its lawfulness) and this context is particularly crucial in establishing the “cost-benefit” analysis of lawful vs. unlawful action. As I see it, libertarian law is meant to be broken… it’s up to the individual to calculate whether observing or violating the law is in his or her interests. And no, I don’t mean the serial-killer trying to decide whether slicing open another victim is worth the jail time if caught… I mean something more mundane like, say, speeding on a private freeway and risking being trespassed or taking back property that was stolen from you even though you can’t prove it was stolen and, thus, justify your repossessive actions.
So, lawful repossession is just that repossession which can be justified in arbitration should the “victim” of the repo try to sue. If I steal your TV, you may have a right to simply enter my property and physically recover it if I refuse to voluntarily turn it over to you - so long as you abide by the customary limitations on what property damage, if any, you may inflict in the process (e.g. cutting the TV cable, scratching the doorposts or whatever).
If I transfer title to you but refuse to allow you to retrieve the property, the same logic applies. If I conditionally transfer title to you (perf. bond), the condition is fulfilled, and refuse to allow you to retrieve the property, the same logic again applies.
An unlawful repossess might be as follows. You have purchased a television from me online. I have said you may show up to receive it on Friday. You show up a day early on Thursday. I inform you I am not ready to allow you to retrieve the TV can you please leave my premises. At this point, if you remain, you are simply trespassing and your title to the TV is no justification to remain on my property because the title was transferred on condition that receipt of the goods would not occur before Friday. If you shove past me and take the TV anyway, you have not only committed trespass, you have committed assault, as well. This repossession cannot be justified at law and your actions would not only be outright criminal acts in themselves but would likely void the very title transfer on which you had originally presumed to act because you had violated the conditions of the title transfer (show up on Friday, not Thursday).
OK, now we need to turn up the contrast a bit because the above illustration is only to sketch the outline of what a “real life” unlawful (extra-legal) repossession looks like. Let’s say you loan me a very valuable, small object… let’s say a diamond. When the term of the loan is up, I refuse to return the diamond. Incensed, you vow to repossess the diamond. However, there’s a problem… I have had the diamond surgically implanted into my body. To repossess it, you will need to cut me open. Let’s say I hid the diamond in my liver… you can’t just casually cut into my liver as I will likely die. Or perhaps I stashed it in between the hemispheres of my brain. Either way, you can’t just cut open and take it without grave risk of killing me.
Side note: We had a thread regarding this topic some time back and I can’t find it… it had to do with libertarian law regarding cavity searches.
Rewind to the mundane case of TV repossession. Let’s say I’ve laid myself on top of the TV and affixed a steel blade descending from the ceiling to my neck in such a way that lifting the TV by even one centimeter will instantly kill me. Can you just lift the TV, my life be damned? No you cannot because you couldn’t stab me and kill me unless I was attacking you in the process of repossession. The geometrical configuration of the objects in the room is immaterial to the question of aggression. Hence, if you lift the TV, it’s no different than if you had walked in, slit my throat with a knfe and took the TV as two, separate acts.
But we can weaken this scenario as far as necessary: even if I merely lay myself on top of the TV, you may not beat me up in order to throw me off of it, as this would still constitute an act of assault. My laying on top of your television is not aggression against your person and, thus, cannot justify the use of violence against my person, which is only justifiable in self-defense.
Returning to the case of the diamond, let’s imagine that instead of having it surgically implanted, I’m merely grasping it in my fist. This is like a really tiny TV (above) and the same limitations apply… you can’t kill me to repossess it, you can’t beat me up to repossess it, etc. Do you have the right to cut my hand off to repossess the diamond? No, because this woudl be an act of assault. Can you force my fingers open with whatever force is required? Perhaps but I think that forcing my hand open is an “at your own risk” proposition… should you damage one of my fingers, I can’t see any reason why you wouldn’t be liable for those damages.
So this brings us back to the implanted diamond. In the case of an implanted diamond, you must necessarily damage my body in order to recover it. There is no justification you can give for this damage… the repossession of stolen property is a separate matter that can be settled at any time with a money award. The geometrical configuration of objects - that the diamond happens to be inside of me - is immaterial to the question of aggression. If you cut me open, you are using violence against my person, not in self-defense… this is aggression. Hence, you cannot lawfully repossess the diamond over my refusal to have it voluntarily, surgically removed by my own choice.
This is all the more true of body parts themselves, all of which - unlike the diamond - actually play a role in the proper function of my body, which is the vehicle of my action within the world.
I think the whole mistake in a lot of thinking regarding loan repayment (indentured servitude) or contract enforcement (voluntary slavery) is this presumption that it is the role of law to make certain activities - extending loans or enforcing contract terms - risk-free or as nearly so as the law can make them. The fact is that the law really cannot remove risk, anyway, and even to whatever extent it can redistribute risk from one actor to another, it has no justifiable role in this. It is just central-planning and legal activism.
Clayton -