Can they repo your car if you are 59 days past due but called the creditor to tell them the payoff was in the mail?

ANYTIME you are in DEFAULT, you are gambling the lender wont repo before you get the money to them. Its just that simple.

I actually worked for 8 years for the company that repoed me. I never took it personnl and I think people appreciated it. Mostly when a veh was repoed it was a mutual understanding. In this case I wouldn't of repoed the car. Always wanted to keep the person in the car. Anyways, that's me and it wasn't my call. People do get a thrill out of it, However, I never really did. :(