It all depens since it varies from state to state but there are several options and none are pretty from your perspective.
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. :(
If you aren't paying for that car's payments then yes. The only reason why your car should be repoed it because the payments aren't being made on it. It doesnt matter if your car is from the 1940's or if you brought the car last month, the car can be repoed if you dont pay the payment for 2 or more months (consult dealership for it's repo rules).
Question is not clear -however- - a creditor on some other debt cannot legally seuze your car in paymnet of HIS loan. The reason being - you do not actually own the car. It is owned by the creditor who holds the car loan. If this is what happened to you - notify the police and your car creditor immediately!
As a Constable and repo agent the quick answer is simple: If you hide the collateral from a creditor you will find yourself in court as the creditor seeks an order of replevin. It is basically an order from the court forcing you to turn over the pledged collateral or face a charge of contempt. If You refuse and the judge finds you in contempt you can ( and should) find yourself in jail.
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