Not sure about your state, but usually if no pymt received for 90 days, they will take it.
They just come & get it.

That's not necessarily true. Your payments can be caught up but if you owe late fees and the finance company tells you not to worry about them-- DO. When the fees get enough behind and the finance company simply decides they no longer wish to carry you as a customer, they will come get your vehicle and the bad thing is most of the companies out there are just crooked enough they will sell your vehicle before the 30 days that you are suppose to have by law to get the vehicle back. Also most finance companies want the remaining sum of the outstanding balance owed to them in order to get your vehicle back. Then they run your vehicle through the auction and get what they can for it and send you a bill for the remaining amount of the loan. You are then left with no vehicle, and still owe the finance company a large sum of money usually. Because they take what ever amount of money they can get for it at the auction. Case in point try not to ever get behind and if you do don't listen to the finance companies and do go ahead and pay any late fees that may have accrued.

This answer gave me more information.

I'm so glad I was able to help someone out there.

I had 2004 Chevy Blazer it was Repo on October 8, 2009 here in Birmingham, Alabama. The Bank told me I will have to pay 2400 to get the car beck and then they said I can't pay anything because the loan has been closed. I have the money and I am willing to pay for the car and initialy they told me I have until October 25, 2009 to pay for my car. I want to know is this legal what they just told me that I have to pay the full amont.

The vehicle can be repossed as soon as you are in default to the terms of your contract. So whatever the terms stated on your contract is what the creditor is allowed to act upon legally when they can have it picked up. The repossession company must have all necessary paperwork from creditor before they can go after it. Once they locate the car, they must first vin to make sure it is the correct one. They cannot touch it otherwise. They cannot remove you from it, niether can the police. If it is blocked in, locked in, or attached to anything, they cannot touch it. If none of that applies and they get possession of it, they must immediately notify local authorities of the repossession. The creditor must notify of the repossession and you have ten days to claim the car. After that they are to notify you what they intend to do with it, i.E resale it or have public or private sale. You have the right to know the date of sale and to bid on it if it is a public sale. It must be sold at fair market value also. If it does not bring at least what you owe on it you are responsible for the difference. But if it brings more than you owe, they owe you minus any fees incurred after repossession and before sale of car. They must let you get your personal belongings out and cannot refuse to let you.