What I know of Vehicle Repossession:
The creditor (whoever gave you the loan for the car (example: Wells Fargo, Credit Union, ext.) has the right to take back the car (repossess) without going to court or even without warning in advance.
The creditor can bill a lump sum of the amount left over from selling the car at an auction, plus fees (stock fee, towing fees, etc.). If you owe less (the car + fees) than the car is sold for at auction the debt to the creditors will be gone.
Furthermore, the creditor can take 25% of your wages till the car balance is paid off.
