Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
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Are you listed on the title or registration as a co-owner? (not the loan...that isn't important)
Do you know where the car is?
Ok, then if you are on the title you can repossess the vehicle any time as long as you don't breach the peace when doing so. So that means do it quietly at night if possible. You can simply have someone drop you off, take the vehicle, and drive it away to a secure location. If you don't have a key, you can take the title to the local dealer and they can make a key based on the title. If you don't have a title you can request a duplicate from the DMV.
You can request duplicate ownership information, like the registration from the DMV which will allow you to get the dealer to make a key. It isn't an easy thing where they deliver a key to your house and you will have to do a little legwork, but it can be done so you can retake possession of the vehicle if you want to.