I am not licensed in your state. There are several moving parts. The contract with the bank is the first document you have to study. Then you can check the State of NJ Motor Vehicle Commission.
My suggestion is to hire an attorney in your locality. If you engage in self help you may complicate things further. Best
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If New Jersey law applied to a repossession, some of the relevant sections are: N.J.S.A.
12A:9-608 Proceeds of Enforcement and Liability for Any Deficiency
12A:9-609 Right to Take Possession
12A:9-610 Sale of Collateral After Repossession
12A:9-611 Notification Before Sale
12A:9-612 Timeliness of Notification Before Sale
12A:9-613 Contents and Form of Notification Before Sale (in general)
12A:9-614 Contents and Form of Notification Before Sale (if consumer goods)
12A:9-615 Application of Proceeds of Sale; Liability for Any Deficiency
12A:9-616 Explanation of Calculation of Any Deficiency
Below is a link to an unofficial database in which the State of New Jersey disclaims accuracy.
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