Discretion means to speak and act in a manner that is not socially embarrassing. It also means to do something based on one's own personal judgment.
This question does not have a yes or no answer, It depends on the institution and is at the warden's discrection, I work at a mens facility and I have seen several inmates get married.
In SOME states, they have to send you a "right to cure" letter, but as far as "I'm coming to get your car at 4:30" NO. IF you are in default on the loan, the lender is hounding you wanting money, then you are subject to be repoed at the LENDERS discrection. Get your personal property out of the vehicle.