Here is the law from the state attorney general's website: "Generally, your creditor has legal authority to seize your car as soon as you default on your loan. Once you are in default, your creditor may repossess your car at any time without prior notice and may come onto your property to do so. However, the creditor may not commit a "breach of the peace" by using physical force or threats of force. If this occurs, your creditor may be required to pay a penalty or compensate you for any harm done to you or your property."Conatc your state attorney general's office for further details.  Speak with either a personal injury attorney or any litigator really on the matter.  Good luck.