I'm 21 days late because I just went back to work and explained that to them.
You need to read your loan documents carefully. it is possible to have an open line of communication with you lender and they will not repo the vehicle as long as you keep them informed and follow through with what you tell them. Like I am going to pay you on X amount on this date. In California you do not have to be given notice of their intent to repossess the vehicle. You go into the store and come out and no more car where you parked it. If you are in default according to your loan documents they most likely have the right to repo the vehicle.
Legal Disclaimer: Ryan C. Wood practices law in California only. Any answers to questions are not intended to be legal advice or create an attorney-client relationship. Always consult an attorney in your jurisdiction about your particular circumstances.
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