The exact answer will vary by state. Each state has its own rules. You should be aware that when the repossession is ordered, the car is not yours any longer. They are asking for their car to be handed over.
The repo man cannot (in most states) cut fences, break locks, open garages, threaten or harass you. They can defend themselves if you become hostile or aggressive. They also can sit patiently and wait for you to take the car out and take it away.
In some states you can be required to pay the repo expenses, so think about that before making the guy come back several times.
It can show at any time. A repossession is compleated as soon as the car is picked up so it does not matter what happens after the repossession it still did happen.
Pay up.
People can repossess your car at any time whether you are at work or home. Most car repossession workers prefer to take your car at night because you are sleeping.
One day. Typically it takes the lender a week or more, usually a month before they send out the order of repossession. If you are trying to figure out the float on how long it is safe to be delinquent, don't bother. Once you have gone into repossession, the lender can still have your vehicle picked up, even if you pay current. You breached a contract, the penalty of that is the surrender of the secured property, the car. Do what you have to to pay the note, or be honorable and surrender the vehicle.
It gets repossessed. You can contact the lender and see if they will do a voluntary repossession where you give them the car or they will at some point do an involuntary where the repo man shows up and takes the car. Answer Wash the car and show up at the dealership. Get a ride home.
Eventually you will be court orderded to give up your car, and plus with a repossession, you will ruin your credit report and they will do a wage garnishment eventually.
If you are giving up your own car for repo then you tell who you financed the car with you want a voluntary repossession. It still looks bad on your credit, but not as bad as a regular repo does
Its bad luck I suppose
You can always try, I suppose. But the amount you owed on the car you're trading in would be added on to the amount you owe on the vehicle you're buying - IF you get approval, which you probably won't. The dealership will know your vehicle is up for repossession once they run your credit. They might even delay this process long enough to make a call to the repo man and wait for him to show up to snatch the car.
This is foolish if you cannot pay the payments. Get the car back or risk repossession.
Pay it off, or, make some sort of deal with the bank to get caught up,
Concealment of a car up for repossession in Florida is a felony. You can be charged with hindering a lender in repossessing a vehicle, or even grand theft auto. Additionally, the state of Florida will not permit you to register any vehicle in your name if you have an active repossession against you.