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Good evening. You have the right to go repossess the car. In doing so, you will need to avoid breaching the peace or breaking and entering. Otherwise, you can simply go take the car. Once you have the car, you can schedule a sale of the car. You will need to give your borrower notice of the time and date of the sale. Once sold, you can sue the borrower for any deficiency...i.e, the amount owed in excess of the amount from the sale. Once the suit is filed and a judgment awarded, you become a judgment creditor
, and if the losing party doesn’t then pay the judgment, you can have the sheriff serve a summons on the losing party for a debtor examination. That forces the losing party to meet the judgment creditor in court and answer questions under oath about the losing party's assets. After that information is obtained, the judgment creditor has the power to attach bank accounts, and/or have the sheriff seize other property to satisfy the judgment.
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