ABA Family Legal Guide

Automobiles

Buying, Renting, and Leasing a Car

Buying a New Car

So if I don't pay, can the secured creditor of my car loan just come and take my car away?

Afraid so. The only limitation on automobile repossessions is that the repossessor must do it without breaching the peace. In many states, the creditor does not even have to sue you or tell you about the default before reclaiming the vehicle.