You know that the lender can repossess your car if you’re behind on your payments. They typically won’t do this after one missed payment, though they usually could if they wanted to, but it’s a more drastic step when it appears that you are not going to be paying again.
They don’t have to tell you when they’re coming to take the vehicle. If it’s parked on the street in front of your house, they can pull up and repossess it without your permission or your knowledge. In some cases, they’ll repossess a car during the night and you’ll wake up to find out that your vehicle is gone.
But what if you put the car in your garage? They may know it’s there, but can they take it?
They can only take your vehicle peacefully
Even though they have a right to take your vehicle and they don’t need your permission to do so, they are obligated to do so in a peaceful manner. This means that they can’t threaten you while they do it or use force to take the vehicle.
They also cannot break into your private property, such as a garage. They could take it from your driveway, even though that’s technically on your personal property, but they can’t break into a building to do it.
Of course, this doesn’t really help you, because keeping your car in the garage all the time still means that you don’t get to use it. You’re far better off looking into all of the legal options you may have at this time, which may help you clear up your debt and get things moving in the right direction.