Under some state laws, a lender can’t repossess a vehicle unless they can do it without “breaching the peace,” which generally means:
Threatening or using physical force
Removing a vehicle from a closed garage without permission
Continuing with repossession after you have resisted or refused to allow the repossession
If the lender commits a breach of the peace, you can contact law enforcement. A breach of the peace may also give you a claim for damages or a defense, which may lessen the amount you eventually owe after the sale of the vehicle.