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Minnesota law 168A.16 states:

Unless otherwise agreed secured party has on default the right to take possession of the collateral. In taking possession a secured party may proceed without judicial process only if this can be done without breach of the peace. If not, a legal action may proceed. 9-503

In essence, the laws are the same as any other state. If you default on your vehicle loan, or any loan secured by property, possession of that property can be taken by the lender, and sale is to be used to offset the debt.

You'll notice the "Breach of Peace" comment at the end. Essentially this means that the repossession agent is going to sneak up to your property, or into your employer's parking lot and take the vehicle when you are not looking. If they are not able to succeed at this, a spotter car may be assigned and when you least expect it, saw when you are your local Walmart, or out grocery shopping, you will come out with all of your purchases to find your vehicle is not where you parked it, and some guy in a tow truck is waving at you as he drives away with it.

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Q: What are reposession laws in Minnesota?
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