First, as to the question of repossession of the tools, the answer is generally yes. SnapOn is very sophisticated when it comes to its credit accounts with mechanics, and generally has a security interest in all purchases made by their clients. When the client defaults, they have the right to repossess the tools. This can be done without any court proceeding. Your son needs to have an attorney review the contract and everything he signed or they provided to verify that they have this right, but I know from previous clients that they generally do not make mistakes which would prevent them from recovering their collateral.

Second, as for the cash payments - the burden to prove those payments were made is entirely on your son. Never make payments on loans in cash - there is virtually no way to overcome their claim that he did not make the payments. Absent a witness who saw him make the payment or the account representative admitting that he made the payment, your son is really out of luck on this point. I wish I could provide more positive information, but absent curing the loan default, your son is going to lose his tools, and I assume therefore his livelihood.

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