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What matters is not how much has been paid, but whether the payments are being made in accordance with the contract. If your last monthly payment was more than a month ago, you may lose the car. Many states require a repossessor to have permission from the private property owner to enter the property. Some states make an exception when the property owner is also the debtor. It is possible that a state might have other restrictions on repos if the debt is almost paid.

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