Repossession of a vehicle can occur at any time after the car owner goes into default on the car loan. If an owner goes into default on a loan, it isn't necessary for a creditor to take him to court for repossession rights.
A creditor can repossess a vehicle from an owner's property without any advance notice. Although repossession of a vehicle may occur immediately after default, the creditor cannot take hold of a vehicle from a closed garage without consent from the property owner. Creditors may not injure a person or damage property during repossession. Any personal items in the vehicle must be returned to the owner by the creditor.