How can I avoid repossession?

You should avoid repossession if you can.

To stop a repossession you can:

• Get your payments up to date. Pay your missed payments within 21 days of the date on the “Rights of Defaulting Buyer” notice.
• Ask the lender for more time to make the payment.
• Ask the lender for a repayment plan to help catch up with missed payments.
• Pay off the full amount you owe by getting another loan. Or
• File for bankruptcy. If you file for bankruptcy you can sometimes stop a repossession. See Bankruptcy.
• 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.