My question involves an auto loan or repossession in the State of: MI/TX
I bought my car in November of 2013. The car was in great condition. The only thing I had to do was replace the back shock and get new tires. I have paid all my payments on time and in full or more than the minimum. Since then the car has been nearly destroyed by my old roommate. He got in an accident and kept backing into things, rammed the side of it into the garage denting and scraping the side and tearing off the mirror, and for some reason he thought it would be a good idea to stand on the roof to look in the attic in the garage so the roof is dented so the sunroof leaks. Also he drove like an idiot so the engine is misfiring on 4 cylinders. Anyway, I was unable to make my payment in March and my payment was due on the 2nd of April. I called my loan company and told them I had moved from Michigan to Texas and needed to change my address and apologized for not paying them and said I didn't know when I was going to be able to make my next payment. I should be able to pay them by the end of this month. She said it was ok and I just had to send to them in writing my change address. I did. I'm just worried that someone is going to show up and take my car. I tried looking up what the laws were on repossessions and really didn't find an answer. I've always had insurance on it (full coverage). Can someone explain how long I have before my car is taken away?

