You should avoid repossession if you can.
- Get your payments up to date.
- Ask your lender for a repayment plan to help catch up with missed payments.
- If your loan is less than 5 years, you may be able to use bankruptcy to lower the payments.
Your lender cannot "breach the peace" to repossess a vehicle. What does "breach the peace" mean? Your lender cannot break into a locked garage to take the car.