it depends on what state you are in , some states require banks to send you a right to cure via certified mail demanding you pay the past due balance or the vehicle will be repossessed, as far as the middle of the night, well when would you expect the repoman to come. your personal property that's in the car should be turned back over to you but sometimes they will charge you to return it. there is a website that covers personal property return, right and wrongs comitted by the repoman, and the fee's you would expect to pay. CHECK OUT www.stoptheREPOman.com they should have alot of the answers you are searching for.
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