When can your car get repossessed in New Jersey?

I am trying myself to determine if NJ has different rules from most other states. According to this website http://www.lawdog.com/states/nj/sta1.htm it looks like we can just take our cars provided we don't break any other laws, such as breaking and entering a garage. * Such laws relate to the repossession agent and the lender not the borrower/debtor. Retrieving or attempting to retrieve a repossessed vehicle without using the prescribed legal procedures is a criminal act.