Thanks. You can then go take the car yourself (or have a repossession company repossess it for you). I have provided you the actual statute giving you this authority below. In doing the repossession, you are not allowed to breach the peace and you are not allowed to break and enter to get the vehicle.
Search TEX BC. CODE ANN. § 9.623 : Texas Statutes - Section 9.623: RIGHT TO REDEEM COLLATERAL
(a) A debtor, any secondary obligor, or any other secured party or lienholder may redeem collateral.
(b) To redeem collateral, a person shall tender:
(1) fulfillment of all obligations secured by the collateral; and
(2) the reasonable expenses and attorneys' fees described in Section 9.615(a)(1).
(c) A redemption may occur at any time before a secured party:
(1) has collected collateral under Section 9.607;
(2) has disposed of collateral or entered into a contract for its disposition under Section 9.610; or
(3) has accepted collateral in full or partial satisfaction of the obligation it secures under Section 9.622.
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