Different states have different statutes concerning the repossession requirements for automobiles. The best way to assist in answering your question is for you to carefully read your written loan as to the terms and conditions that you are obligated under to the lender and the lender to you. The loan agreement will typically spell out what required notices and duties are owed between the borrower and the lender absent conflicting state law.In your situation, my experience is that pretty much all statutes require written notice to the borrower of a vehicle (be it a lease or a purchase) of a default under the terms of the lease or loan with a set time period to cure before any actual repossession happens.