Michigan’s Article 9 allows self-help repossession only without a breach of the peace (MCL 440.9609), requires a detailed notice before the car is sold (MCL 440.9611 and 440.9614), preserves the right to redeem (MCL 440.9623), and sets a minimum recovery for consumer-goods violations (MCL 440.9625).
Vermont’s Article 9 allows self-help repossession only without a breach of the peace, requires a detailed notice before the car is sold, preserves your right to redeem, and sets a minimum damages floor for consumer-goods violations. Here is what the lender and repo agent cannot do.
A grace period on a Florida car loan usually only delays the late fee, not the default. Here is how the contract, waiver by course of dealing, and section 679.609 decide whether a grace-period repossession was lawful.