not sure what you mean by format. the repo man can pick it up at your house,work ,shopping center, or were ever they find it "parked". they can not take it when your driving.{i mean,they can't pull you over or any thing like that}
Yes
The company repossessing the car has no authority to negotiate terms with you. They are simply there to repossess the car. You must negotiate with your lender. Hopefully, you will do this before the the repossession order is submitted by the lender.
No, what will happen is this: the finance company will pay off the mechanics lien (usually) and tack that on your loan balance, it would be considered a repo fee.
Yes. If the person repossessing the car finds it then they can take it!
Repossess your own car? What did you do, meet your wife at a family reunion?
It's more the same as repossessing a car.
Yes, pay your payments on time.
You call the finance company and state your intent to them. Either they'll send a recovery agent to repossess it, or you might be able to take it to the repossessing agent.
You should contact the finance company. Perhaps, you can make smaller payments and stretch out the loan or perhaps you can turn the car in and avoid them the trouble of repossessing the car in exchange for not having your credit ruined.
I'm sure it depends on where you are, but the finance company that I used to work for paid between $150 and $300 per car, depending whether the customer voluntarily surrendered the car or whether the repo agent had to take it.
Towing driver.
If they are repossessing the vehicle for the bank, Yes.