Legal Question in Consumer Law in California

Re: automobile repossesion

In California, the general answer is no to both of your questions. However, if would depend entirely on the language contained in the documents you signed when you purchased your car. Most creditors (including creditors who hold liens on vehiches) will work with consumers, so long as the consumer attempts to explain their situation, and is able to propose some plan for repayment. Once the loan has gotten to the point where the creditor exercises its right to "repo" a vehicle, they are under no obligation to notify you that they will do so.