Repo-man

The repo-man is an NPC that visits a Sim's residential lot when they neglect to pay their bills. Over time, after bills have been delivered to a house, they change color, going from white, to yellow, to orange to red. As they progress through the colors the need to pay them becomes more urgent. It's (approximately) two days between color changes. Once bills stay red for more than two days, they will warn the player at 7:00am that they must be paid immediately. The player has until 6:00pm the next night to pay, otherwise the red bills will explode and summon the repo-man.

He usually takes one or two items, but if the Sim is in a large amount of debt he may take several. The item/items he takes (approximately) add up to the the amount the Sim owes. The Sims of the household get a negative memory for each of the items taken, and may periodically cry about the lost item.

The repo-man in The Urbz: Sims in the City is Harry Snivel, who is also the landlord and also one of the three main villains.

If forced to come in The Sims 3 with testingcheatsenabled, the repo-man will take a large amount of items (sometimes at least twenty items) regardless of whether any debt is owed.

In most of The Sims games, he wears dark attire. He will come onto the lot and use a gun-like device on whatever he is going to repossess. The gun's special effects may vary from game to game, but the result is that the item vanishes.

In The Sims 3 and The Sims 2, if the player removes the doors leading into their house, the repo-man will use his teleporter to gain entrance.

In The Sims 2, if the household does not have any furniture at all, the repo-man will criticize the family for wasting his time, then leave.

In The Sims 3, if the player's Sims live in a house built on an ancient burial ground, the repo-man will suck up the graves with his gun. He will then warn the Sim to pay their bills or he will be back.

In The Sims 3, if the household has no objects that can be taken, the repo-man will subtract household funds that are approximately of the same value as the amount owed.

The repo-man can be removed in various ways with testingcheatsenabled:
 * In The Sims 2, he can be removed if an error is forced upon by control clicking, force error.
 * In The Sims 3, he can be removed if deleted by shift clicking, object...

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Tips

 * It's said in The Sims 2, if there is no furniture, the repo-man will only criticize the family for wasting his time and depart. Try putting all furniture in the Sims inventory, then putting it back once he's gone.