Hi - my name is XXXXX XXXXX I'm a litigation
attorney. Thanks for your question.
Massachusetts law applies to the repossession IF that's where the vehicle is located. Thus, if you were not given a 21 day notice and an opportunity to remedy the default before they took your vehicle, you should have a right to file a lawsuit to stop the repossession and sale of the property under a claim of unlawful repossession. You are also entitled to a 20 day notice to recover the vehicle BEFORE the vehicle can be sold.
Here's a good link you can read about your rights and what the lender is required to do: http://massachusettsbankruptcy.blogspot.com/2009/09/car-repossession-in-massachusetts.html
It sounds like your vehicle was wrongfully repossessed and under the Mass. Consumer Protection Act, you would have a right to sue. Also, the good thing is that the law requires the lender to pay your attorney's fees IF the repossession is done improperly.
Here's a good link regarding what can be done after the vehicle is repossessed OR if your rights have been violated: http://massachusettsbankruptcy.blogspot.com/2010/06/options-after-your-car-is-repossessed.html
Thus, you should consider consulting a local attorney about combating the lender's apparent improper actions.