Repo technically is illegal - people cannot come into your house and legally just take stuff. We also have laws to defend our property here - so it would never be wise. Legally and safely It has to be done in a courtroom if it is in your home and for the court to tell you to pay up or give the item back to the creditor. Usually there are police involved in the process on your property. In the USA though it is never smart to go onto someones property and try and take stuff. I believe the only thing a repo person can actually take off of your property is a vehicle in the USA. They cannot even go in your garage to do it either from my understanding and usually have a court order to remove the vehicle if it is in your drive way.
I do like the fact they shut off water and lights when the bills are not paid - that is realistic and legal.