Dear Customer, thank you for choosing Just Answer. I would like to assist you with your legal question today. It is unlikely that your brother has the right to (1) repossess the vehicle, or (2) take the vehicle under the terms of the contract.
The issue with repossessing a vehicle is more complicated than just showing up and driving off while leaving a note. One of our other experts has explained the rules and procedures necessary to properly repossess a vehicle and I doubt that your brother followed these procedures (you can read the other expert's post here: http://www.justanswer.com/bankruptcy-law/7hr9r-questioned-pertains-repossession-laws-nj-car.html).
Your brother's attempt to enforce the contract on the basis of a short breach in payment (if in fact you did miss payments by 2 weeks) is likely unenforceable. Courts will apply an equitable principle known as "quantum meruit" to situations such as this where even if your brother is entitled to close on the contract, you will be entitled to the value of the money you paid into the pickup loan (this may not be the full value given depreciation of a vehicle, but it is generally enough to dissuade a repossession for such a minor breach at such a late stage in the repayment period).
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Do I go to the police or diretly to civil court with my complaint?
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