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There are no "repo" laws in any states but CA,FL,LA.WI. repos are covered under the UCC in all other states. In general, they permit self-help repos ONLY if there is NO breach of peace. NJ UCC is at the link below. http://lis.njleg.state.nj.us/cgi-bin/om_isapi.dll?clientID=107625094&Depth=2&depth=2&expandheadings=on&headingswithhits=on&hitsperheading=on&infobase=statutes.nfo&record={395F}&softpage=Doc_Frame_PG42

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20y ago

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