Its a civil matter unless clearly written if payments are not finished repo is allowed.

Actually it depends on the laws in both states and being that you still have the title gives you somewhat of the upper hand. In some states verbal agreements are just as legally binding as written contracts....in other states a verbal agreement isn't worth the breath it took to make the agreement. Bottom line....you have the title which works in your favor, now you just need to research the laws in both the states involved.

It really depends on how much of a fuss your friend is going to put up. He knows he hasn't paid so is he willing to voluntarily give it back to you? You might have that discussion first.

Second, you can repo it. You have title. There isn't anything illegal about taking a vehicle you have title to even if there is a verbal or written contract...I am sure neither included a clause that said you can go without payments indefinitely. If you want it to be a legal repossession through business channels though you will have to have documentation. Otherwise, you go and pick the vehicle up.

If it is of particular nasty situation, you can always report the vehicle stolen since it isn't being used as agreed and that the last place you are aware of that it was being use is where ever the guy is that has it. You would have to check local laws but in some states, that is exactly how you would handle it if your property isn't returned to you. You have to file a police report first.