As far as I know, repossessors give advance prior notice before repoing a car. Additionally, the UCC allows self help to recover collateral. Are there abuses? Of course.
I saw part of a TV program the other day about repossessors. One man could make a key within about 1.5 minutes. Showed several repossessions of big equipment at night and in a hurry before they were discovered.
Apparently they had to find the equipment in order to repossess. Was it probable the equipment was hard to find because notice was given, or because they just did not intend to pay ?