That's a good one! Assuming there are no conditions (and you seemed to have done your homework in actually reading your contract!), no, they can't. That does not mean they won't try to, or won't even repo it. Consult a knowledgeable consumer protection lawyer, www.naca.net. Your reading of the contract could be wrong, or there could be some adverse court opinions interpreting this contract adversely to your understanding--you never know. Protect yourself, talk to a lawyer.