Turn legal ambiguity into operational clarity. The Peace Point System™ gives agents bright-line guidance, organizations verifiable oversight, and the industry a path to professionalism and reduced risk.

About peace under pressure

The Challenge UCC §9-609 allows self-help repossession "without breach of the peace," but the term is undefined—leaving courts to decide case-by-case. The same facts produce different outcomes. Agents face impossible pressure: recover fast, but safely. Lenders demand compliance, regulators scrutinize harm, and one escalation can end careers or trigger lawsuits.
The Solution Peace Under Pressure introduces the Peace Point System—a field-tested, numeric scoring model to assess and prevent breach-of-peace risk in real time:
  • +1 for private property entry
  • +1 for objection to entry
  • +1 for objection to repossession
  • +1 for Spotlight Conditions (e.g., secured barriers, authority presence)
  • +4 and automatic stop for violence/threats
Universal Rule: Two points = mandatory stop. This creates bright lines for agents, data for supervisors, and evidence for courts.
What You Get
  • Core scoring model and environmental triggers
  • De-escalation mechanics (point subtraction, cool-off periods, peace reset)
  • Edge cases, customization, and implementation roadmap
  • Appendices: Quick Reference, Glossary, Templates, Scenario Library, Professional Lineage Timeline
Published 2025 | Paperback & eBook | ISBN-13: 979-8-9931722-2-4 Companion to the Professional Standards in Repossession series

Who is the book for

  • Repossession Agents & Field Teams — Bright-line decisions to stay safe and compliant
  • Agency Owners & Supervisors — Verifiable standards, reduced escalations, defensible documentation
  • Lenders & Finance Companies — Better RFP questions, vendor oversight, lower risk exposure
  • Regulators & Policymakers — Demonstrated feasibility of industry self-regulation
  • Attorneys & Compliance Professionals — Practical insight into operational realities

Key Features & benefits

Quantifiable Peace From vague "good judgment" to measurable thresholds—track stop rates, escalation patterns, and improvement over time.
Safety-First Design Prioritizes de-escalation, mandatory cool-offs, and automatic stops to protect agents and consumers.
Defensible in Court Robust documentation turns "I followed policy" into "Here is the contemporaneous record of systematic risk assessment."
Customizable & Scalable Baseline conservative for high-risk ops; calibrate points for jurisdiction or tolerance (with legal review).
Real-World Lineage Built on 15+ years of evolution—from "No Means No" to formalized scoring at Artis Recovery.

Purchaase options

  • Paperback — $34.95 - Buy It Now
  • Hardback — $49.95 - Buy It Now
  • eBook (Kindle) — $XX.XX (coming soon)
  • Bulk/Agency Orders — Contact for discounts on 10+ copies (training programs)

Free Resources

Download these companion tools (email opt-in recommended for lead capture):
  • Quick Reference Guide (PDF – Appendix A)
  • Sample Scenario Library Excerpt
  • Glossary & Templates Preview​

about the author

Carl “Wes” Carico is a veteran repossession agency owner, former law enforcement officer, and advocate for structural reform in the industry. As principal of Artis Recovery and author of the Professional Standards in Repossession series, Wes draws on decades of frontline experience to help organizations build accountable, professional standards.
His work is cited in training, consulting, and policy discussions nationwide. Wes believes: "It works until it don't, then people get hurt."
Learn more at ccarico.com or connect via the contact form.

Legal

Disclaimer This book is for informational and educational purposes only. It is not legal advice, does not guarantee outcomes, and does not create an attorney-client relationship. Jurisdictional laws vary—consult qualified counsel. Readers use at their own risk.
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© 2025 Carl “Wes” Carico | Professional Recovery Press Part of the Professional Standards in Repossession Series Explore Volume I & II at ccarico.com