There should be some information on your paper work when you acquire of finance something. There is different contract agreements. Now there are was concerning the times and procedures or repo. In Mississippi you don't have to inform a person of repo on a vehicle but you can't go past 10Pm at night. In Louisiana, you have to let the person know what you are doing and if they try to stop you, you call the law for back up. If you call a bank and tell them you want a job with some repo company, they can direct and once you do that you can ask different questions.